I saw and took full advantage of the housing market bubble. I was in cash in the 08 burst and don't have a clue as to why most of the highly compensated money managers fail to see the obvious and or meet and or beat their bench marks. Perhaps, I did read those economic books and understand the economic system. It stands to reason the majority of folks need a certified this or that to guide them. However, never ever give them control, just advise. Otherwise you may just be the victim.