I am 63 years old and have a Ph.D in Marriage and Family Therapy. My BA was in Mathematics; my MA's are in Public Administration and Marriage and Family Therapy. I was a USAF pilot for six years and had a 20 year career in medical sales before returning to school in order to learn my present profession. Other people handled my portfolio until 1995 when I took responsibility for it myself. I discovered that nobody cares about its health and well-being more than I do! What I can add to these discussions is my knowledge of human nature and how that affects our buying and selling of securities. As a marriage therapist, I am well versed in the patterns that we follow over and over and how those affect our lives and our portfolios.