Age 81. Spent over 40 years in financial industry when it did not complete with its customers. Hedge funds and computer trading did not exist and customers were not the last to know news. The average customer would have trouble borrowing 1000 shares to short but hedge funds could short 100,000 shares in heart beat,. new issues did not just go to special parties early and then go to the public after much of the growth was over. Top management did not pay themselves 25 to 100 million or give themselves huge stock options. The SEC watched companies and did not fine companies just for the benefit of the government. I make more money buying when brokers say sell and sell when broker say buy. I retired 15 years ago when the business was more honest!