I am a personal investor who invests for personal enjoyment and retirement add ons. I invest rather large sums for myself and others, and have been blessed with good returns in both good and bad markets by keeping a close eye on the markets, international trends, and banking rules that overly govern the flow of monetary support in markets. I have found areas to watch domestically and internationally that tend to pay off related to regional politics........more so than actual business performance. Sad fact, but a way to make a profit. It requires a very different type of research to see the change in direction (mindset) of a domestic or international frame of mind than it does a single company within a given market. A simple example: Do you know how the EPA ruling will drive airports and airlines to conform based on the ruling that finally published after 4 years waiting last week (5/14/12)?? Who stands to profit from it? That's me, for what you need to know........I watch what people do, and what governments do that modifies the market.