Jacko, I've just downloaded the pdf file and saved it to go over...

Jacko, I've just downloaded the pdf file and saved it to go over as mentioned. I have always been a 'punter' when it comes to shares, but since my involvement in CDU, QMN and much earlier with VCR and now with EXS, I have been one to "trust" my gut with the fundamentals. As you canb see by my own admission here, EXS is the first stock I have ever been involved in which is actually producing! My trust in my judgement in this company is much more at ease than with those others mentioned. EXS also has no debt and the other important fundamentals of good senior management and directors who are miner's who have collectively a long and good history in mining assisted me in my decision to change over to them. Another important thing is my own patience. I didn't used to have any whatsoever, but have an understanding now of how expensive it can be to lose my patience when it's my own money involved. Being retired, my available cash is extremely limited, so I have learned to become patient as a matter of necessity. The pdf file you have recomended I trust is a step towards a better understanding of the otherside of investing in shares...
again many thanks. I'll be off now and return later in the day (chores await me!)
MTW