I am a full-time trader and investor for my own proprietary accounts only. I have no direct or indirect interest in attracting clients of any kind. My primary investing interests reside in the equity markets of the US, Norway, Canada, Australia, and Singapore, with overweight positions in natural resources and energy-related companies. After earning an MBA from the Harvard Business School, I held assignments in marketing, and later in line management, at several of the world's largest financial institutions. After the 2008 economic crisis, I also tried to help reform the U.S. lending industry by advancing the cause of covered bonds as an alternative to mortgage-backed securities. Those efforts included co-founding a specialized online news publication. As you read my postings in Seeking Alpha, please bear in mind: 1) I describe what I am seeing from my own vantage point. My expression of views is not intended as "advice" to anyone. Not SA readers. Not friends. Not family members. I have never told anyone to buy, sell or hold anything in particular. 2) Any thought or opinion I share is solely with the intent to help a reader arrive at his or her own conclusions. My only motivation is to "give back" stock research ideas, in appreciation for what I have learned from so many SA commenters and authors. 3) I always make clear in comments when I have a long position in a stock. If I sell a stock I have commented on because I have developed new doubts about it, I try to make a new comment to that effect somewhere on SA. I am also direct about positions which I hold underwater. I do not take short positions on individual stocks.