@Grab.   point taken and you are quite correct.  i guess Im...

@Grab.   point taken and you are quite correct.  i guess Im beefed about Karl setting himself up as the guru and taking our money, then coming a guttzer as much as (or perhaps moreso) than the faithful shareholders.   I agree that it would have been horrendous IF he hadnt had MQG.   I also agree with your second point about how smart Karl is.... (or isnt) !   I have over the time, taken advantage to top up on CDM, in retrospect, often at the wrong times.   I am now heavily underwater.... something one doesnt expect to happen when one invests in what one believes is a safer form of investment.    No objections to your opposing points of view and no need to beg !  (lol)