(Age 48) I've been a founder of, board member of, or executive of technology startups in mass storage, graphic arts, face recognition, and hospital information systems. Painful experience has lead me to believe very strongly that we're all a lot less smart than we think in bull markets. Lots of fun to be pitching companies in 1999 . . . by 2002, not so much. Notwithstanding a pretty firm conviction that outpeformance is more chance than design, I enjoy the search for very out of the way opportunities which may advantage the individual investor. Never been in the securities business, not selling anything . . . my bad advice is disinterested.