Owned and operated an oil ans gas drilling company back in the 1980s. Stock broker, Financial Planner, VP Mktg for an Insurance company, licensed NMLS mortgage Originator. Lots of experience in the world of finance. I even remember when the "Analysts" changed stock valuations from earnings-based to sales- based. That was in 1999 and fostered the tech bubble- why didn't they get sent to jail????