Ann: Appendix 3B, page-57

Some will never learn if ever. Investing is not for all. I have learned valuable lessons over the past years and I hope to learn many more. There are some basic rules of investing and if they are not met with fortitude the risks will overcome and turn the tides into insane beasts. It will transform the strong into weaklings and will create more turbulence along the way and some will never recover. By placing the blame on others is one sure way to become weaker. Good luck to all that blame others for their own mistakes.