Long-time individual retail investor, whose investment objective is capital appreciation and dividend income through equities. Our polestar metric: the quality and performance of the management of the corporation or bank. We do not represent nor are associated with any corporation, government agency, non-profit, consulting firm, union, hedge fund, or any other organisation. For the record, the undersigned is a he, with a wife and young daughter. Comically PR damage controllers and reputation agents protecting the sub-performing Management of one Bank have repeatedly tried to label us with the wrong gender to distract investors from what we have to say. Herr Funfundvierzig…funfun..