Gregmal

Trigger alert! Doctors hate this trick! I cut my net carbs down to 20 grams/day and all a sudden i lose 40-45lbs in a 16 month period. I didn't even exercise much. My diet is a little heavy on bacon and eggs at the moment. (Eric, to each his/her own. Keto is the way that I keep the weight off. Please play along with this faux meat vs Vegan drama that I am creating.) Going whole foods plant-based would get you the same weight loss while also reversing cardiovascular disease, which you are not getting on the all-meat diet. If weight loss were the only goal I'd rather eat the bacon and eggs like you. But just remember, the arteries that feed your erections are much smaller than the coronary arteries, so guess what's gonna go first. I don't think my blood work has ever been so good. Thank you for thinking of my junk. I think going whole foods plant-based would get me depressed. Just can't imagine skipping meat, cheese, and seafood. Honestly, I wish I can do a Vegan diet. I doubt my body is built for that. But then I said the same thing about carbs and now I feel much better on a higher fat diet. #All_Out_Keto_Vs_Vegan_War (Joking) The blood work is not measuring the problem if you are talking about blood lipids: https://www.clevelandheartlab.com/blog/the-gut-the-heart-and-tmao/ https://www.health.harvard.edu/staying-healthy/red-meat-tmao-and-your-heart Eric, I don't know what to think of new scientific studies on diets anymore. For years we were told to eat 10+ servings of carbs a day. It didn't even distinguish between refined carbs or whole grain. Eggs were bad, eggs were good, fat was bad, fat is good. I now try to think about a world without agriculture and what would human being eat then? I assume that we are naturally omnivores. We probably ate meat, fish, berries, and some sort of veggies. Despite thousands of years of civilization, I don't think human metabolism has evolved much. This is largely due to the fact that humans are very good at surviving and we haven't needed dramatic mutations in our genes to survive in the last 10,000 years or so. The joke is that "You're not really on a Keto diet, unless you tell people." I guess the same goes for people on a vegan diet "You're not truly Vegan, unless you tell people." I am self aware that I am annoying to a fault with my going on and on about Keto. If red meat causes cancer and limp dick, I guess I'll take my chances. As I get older, my desire for red meat will likely go down and I'll focus on fish and veggie fats such as avocado etc. To each their own. Let's just eat what makes us happy and allow us to believe our own dietary religions. I think this way of looking at things best fits my outlook. For me, I have switched around different diets, mainly to cater to seasonal trends. IE summer can be very meat heavy, winter holidays are typically carb heavy, etc. But I think the truth is that simply controlling your eating is the best way to go about it, even without a diet. The healthiest I ever was, was probably during a stretch of high school. It was a boarding school type place, so meals were made by the kitchen staff. There was no real rhyme or reason to the food. Eggs one day for breakfast, French toast the next, biscuits and gravy the day after. BUT, every meal there were three portions, small -large, and you picked at the beginning of every month. What you got is what you got. Once a day you had a choice between a granola bar and a piece of fruit. But it was 3 meals and one moderate snack. Physical education was also 3x a week. There wasn't one overweight kid in the entire school. Funny enough, in college, I ate fast food 3x a day. And some friends hated me because a wouldn't gain a pound. Blood work was always good too. Some of it is probably genetics, I was playing hockey at the time as well, but then I hit my mid 20s, and started getting the banker belly. Early 30s I noticed I had to start being even more conscious of what I ate. I remember ready a long time ago about how every 7 years we have an entirely different body. So there's that too. But I think probably the most important thing is just moderation. Too many people eat because they are bored or because it tastes good, not because they are hungry.

Good stuff, thanks!

Greg, As you perhaps already know, I'm pretty observant to facts posted here on CoBF, and by all means much-much more observant how those so-called facts are processed and handled. So, to me, you are here just such a low-life cheat fiddling with your numbers that you post here on CoBF, dividing by four, instead of dividing by four-and-something! [ : - D] I hope everything is evolving well over time for your part, and yours! Take care [ : - ) ] [The rest that we're talking about here on CoBF is "just money" [and all that].] In short - now that I actually think about it - there is no capital gain comparable to become a parent again! [ : - ) ] Haha thanks John. Yes, things are well. Just another "period of adjustment" as seems to currently be the norm in the world. I'll do one more day, and then stop posting my daily meals. Just trying to emphasize how it is possible to eat well and cheap. One thing I have found very helpful is that going to the store daily and buying only really what I need for the days meals, greatly cuts back on waste/saves money. Previously, or when I go to Costco, its very easy to fall into a "I'll have some of this, and a bit of that, and oh, throw this in the cart too" mindset. Much of that stuff either goes bad or sits in the pantry collecting dust. Breakfast Eggs Benedict: Eggs 2.49 carton Hollandaise sauce 1.29 packet English muffins 1.50 a sleeve for store brand French toast for kids 2.79 for a box that lasts a week 6 coffees(I drink too much) K cup style 80 ct is $20 Apple juice 2.99 a jug, lasts 2 weeks Lunch Pierogi 3.79 a tray Sautéed Onion 1.99 lb Fish sticks for the kids 2.99 a box (although typically I catch the walleye and wife breads them, so free, unless you want to incorporate all the boating/fishing expenses, which will be an obnoxious add on) Dinner Skate Wings 7.99 lb Asparagus 1.99 a bundle capers 1.79 a jar couscous 1.99 a box pizza bites for the kids 1.99 a bag which lasts 2 meals I wouldn’t exactly rate fish sticks, French toast, pizza bites and apple juice as healthy for kids. We try to limit our grocery shopping to 1x a week, mostly trips to Costco. Sometimes we do a second trip to the Market basket to pick up some veggies etc. We used to go to a local farm and a local higher end butcher, but not that much this year because we now limit trips. I might check out the local farm again this year. If you've got any secret on how to get 1-3 year olds to eat veggies, please pass them along! Best I get is occasionally some broccoli heads or carrots cuz we tell them they will be able to see in the dark. But everything else just goes cold or ends up on the floor. I figure once they start school the habits will get straightened out. I noticed when my son started 2 hour a day pre school that peer pressure is a wonderful thing when it comes to lunches. Stuff he wouldn't dream of touching at home he ate no problem simply because everyone else was eating it during school lunch. Oh yea, that is if we ever get back to school!

Usually 4-6 cups by noon, or some variation of a bunch of K cups and a large ice coffee from Dunkin. Always black. Usually only on weekdays/work days. Occasional headaches, but nothing bad. I dont sleep a lot to begin with, so there's that. Mainly just a byproduct of habit. Been doing it for years. Then theres the half dozen La Croix after noon. Ive found drinking a lot helps curb my appetite, which helps me focus and be more productive.

Ha! Hopefully. I heard Jonathan Litt(le) thinks its a short though. If it goes to zero its bread and butter sandwiches 3x a day. But, yea the hidden item is a bad La Croix habit, maybe a half dozen a day. And we (used to) go out to eat a bunch as well. And spend $200+ a meal on sushi every Saturday. Plus my boating hobby. This new thing has basically been coronavirus inspired. Good excuse to get out, and cooking is then the activity. Store is 5 minutes from the house, takes about 20 minutes in the store, so maybe a half hour or so a day and then an hour of prep and cooking. Lemons out of lemonade. The kiddos have also been a factor. Anyone with little kids will tell you, they pick what they eat. So despite attempts to get them to eat better, its usually binging through the same stuff until they get sick of it. 3 hots dogs for lunch and then a huge bag of grapes for dinner, for a week. Then its Mac and cheese every other meal. The strangest one was fried conch and alligator my son had in the Florida Keys. Got back to NJ and wanted that almost every day for about two weeks. Had to go to the big Chinese Market 45 minutes away to get those things. And dividends are to be reinvested! That way we lose everything on the path to nil.

I think if anything the way to look at the market is like 1970s blackjack. Where, IMO, the deck is stacked in a certain direction and the payout for wagers or hedges is favorable. But who knows, maybe that direction is up lol. I am, and would try to avoid gap downs or predictable, but surprise negative news flow, IE certain states routinely release certain data at certain times. This all coming from someone who's 100% committed to investing in some of the dirtiest, coronavirus stricken businesses. Added to ESRT 16 times over the past 5 weeks. That said, for the first time ever, I do actually have a small cash position. Unique times for sure.

Yea I dont know. Market is a little wild to me right now. It seems as long as the government doesnt shut things down, the market is ok with the virus. Which does kind of make sense within the context of, again, the flu. 15% of the population get the flu annually, 30m urgent care/hospital visits annually, corona still nowhere near those figures, and the flu never moves the market. If the government shut down the economy every winter for the flu though....

Most of the cases occurred in a few counties in LA and Orange County. The outbreak occurred after the lockdown was eased and bars were allowed to open. From a few anecdotal reports that I have seen causes are: 1) family festivities (Father’s Day, Memorial Day), Those May explain the timing of the delayed wave. 2) bars Due to socioeconomic reasons, emigrants are more susceptible apparently and that is what we have seen in the LA area as well. LA always had more virus circulating than other areas but it seems like above factors caused the runway train wreck. Again, the virus isn’t political, it doesn’t care about red or blue. If it starts to circulate freely and you don’t hammer it early and hard, the exponential growth will have its way and the results are what we are seeing. I do think the social gatherings resulting from holidays plays into it, which is why, with the biggest one of the summer coming up, especially one that is rabidly celebrated by people of certain political leanings who may or may not want to wear face masks, cases could explode. But I still dont get California. They just dont seem to have a clue or a plan. You can look at Texas, or Arizona and see what their plan is. They just better get it right, and given there "plan", that basically means making sure you dont run out of hospital beds. NY/NJ/Conn have a clear "plan". Obviously this differs greatly from TX/AZ/FL. But California its just kind of head scratching.

Greg, As you perhaps already know, I'm pretty observant to facts posted here on CoBF, and by all means much-much more observant how those so-called facts are processed and handled. So, to me, you are here just such a low-life cheat fiddling with your numbers that you post here on CoBF, dividing by four, instead of dividing by four-and-something! [ : - D] I hope everything is evolving well over time for your part, and yours! Take care [ : - ) ] [The rest that we're talking about here on CoBF is "just money" [and all that].] In short - now that I actually think about it - there is no capital gain comparable to become a parent again! [ : - ) ] Haha thanks John. Yes, things are well. Just another "period of adjustment" as seems to currently be the norm in the world. I'll do one more day, and then stop posting my daily meals. Just trying to emphasize how it is possible to eat well and cheap. One thing I have found very helpful is that going to the store daily and buying only really what I need for the days meals, greatly cuts back on waste/saves money. Previously, or when I go to Costco, its very easy to fall into a "I'll have some of this, and a bit of that, and oh, throw this in the cart too" mindset. Much of that stuff either goes bad or sits in the pantry collecting dust. Breakfast Eggs Benedict: Eggs 2.49 carton Hollandaise sauce 1.29 packet English muffins 1.50 a sleeve for store brand French toast for kids 2.79 for a box that lasts a week 6 coffees(I drink too much) K cup style 80 ct is $20 Apple juice 2.99 a jug, lasts 2 weeks Lunch Pierogi 3.79 a tray Sautéed Onion 1.99 lb Fish sticks for the kids 2.99 a box (although typically I catch the walleye and wife breads them, so free, unless you want to incorporate all the boating/fishing expenses, which will be an obnoxious add on) Dinner Skate Wings 7.99 lb Asparagus 1.99 a bundle capers 1.79 a jar couscous 1.99 a box pizza bites for the kids 1.99 a bag which lasts 2 meals

How about some 3d printed, plant based steak? https://nypost.com/2020/07/01/see-3d-steaks-printed-using-plant-based-fat-blood-and-muscle/

Gavin Newsome seems more vegetable, than vegetable eater. Cesspool West Coast has basically been in semi lockdown the entire time and still cant seem to figure out what it needs to do. Of course, it's LA leading the way with the virus, but now it seems all of the state will start suffering.

I don't think Fauci is politicized by people as much as he is by the various media outlets. He is constantly misquoted and misrepresented. If you watched(or listened) to his testimony the other day, you would see that. There was a specific encounter with Rand Paul particularly, which made many headlines. But the actual exchange was quite different; with Fauci explaining that basically "hey, everybody is asking me all these questions and we just dont know everything. We do our best with what we have available to make decisions, but I often get quoted out of context, and often its because people ask me "what do you think about such and such". The answer is always to proceed with caution. But I didn't say "no baseball" or "no school". But that is what they put in the headline" This is paraphrased, but I do agree he seems like a genuinely reasonable guy.

So today... breakfast cereal 1.79 box lasts a week oatmeal 3.99 for Quaker lasts 2-3 weeks bacon $3.99 Orange juice, 2.50 bottle lasts several days lunch BLT wheat bread 1.89 loaf, lasts a week, leftover bacon from breakfast, tomato 2.99 lb, lettuce 1.99 a head dinner angel hair pasta 1.49 box peas .79c a can oyster mushrooms 6.99 lb hot dogs for the kids- 89c for buns and 32 hot dogs for $11.99 at Costco Entire family fed, tons of leftovers for dogs as well. Cost less than $20 for the day

If steak is too expensive these days, go with lobster. Between China tensions and Covid shutdowns, prices have plummeted last few months. $5.99-7.99 lb (depending on the week) by me.

Starter in RPTX

Maybe I'm an outlier, but I doubt it, being in NJ. Ive found that grocery prices over the past year have gotten exceptionally cheap. Maybe its an implementation or greater promotion of store brands, but I regularly marvel at the fact that I can go to the supermarket, on a daily basis, and buy lunch, snacks, and dinner for the family(of 4, plus dogs) for under $30. For instance, Breakfast: Box of store brand Frosted Flakes 1.79; lasts a week Eggs 2.79, lasts 1-2 weeks Orange Juice 2.50, lasts 5-7 days Milk 3.39 per gallon, lasts 3 days Lunch: Mac and Cheese for kids, .79c a box Chicken Nuggets 2.99, lasts for 2 meals Hanger Steak 6.99 lb Chopped salad $2.29 Dinner: Salmon $7.99 lb Rice Pilaf 1.19 a box Brussel Sprouts 2.99 lb Shrimp $6.99 lb Pasta .89 a box Butter $1 per stick So as you can see, breakfast $10-15 covers a family of 4 for a week. Lunch you're running $10 a day, and dinner probably $10 a day as well. Insane to me considering before kids I would regularly spend $50 a meal, and often $100 for dinner.

This is really gonna bite economically in FL and AZ. There's a ton of Canadians that just pack it in in the winter and just go down to FL. My guess is that it's not gonna happen this year. They don't care about Trump/DeSantis political posturing, they would prefer to stay alive, and I don't think any insurance company is gonna sell them a COVID policy. These Canadian also tend to be of the wealthier variety that have a lot of money to spend. The same thing goes triple for AZ. Canadians own so much of that place it may as well be the 11th province. While this is all true, it is also almost certainly temporary. The virus will likely be irrelevant in 2 years. Which the history books will remember, in the economic sense, as a textbook recession.

I think when investing, one needs to remove emotion as much as possible. You have to think/be a socio-path. Its not "feel good" or anything to boast about, but its how things work. People essentially are cogs or data points. There is a great line from Big Short where Ben Rickard says, "you know what I hate about banking, it reduces people to numbers"....Part of the reason I moved out of the financial world as much as possible after getting setup, and have the goal to be removed from it completely within the next few years. Its not for everybody, but its how the game is played. Ask any PM honestly if they'd trade 1M senior citizens for an S&P rebound in 2021 and they all likely vote yes. I think if you are in the markets you have to be aware of these things and anticipate those directions. Its the stance that much of the US is taking through policy action.

Well, to be fair, it's because certain people on the thread literally never blame Trump. They literally don't acknowledge it when he's the person most responsible for America's mess. Like, he's the dude where the buck is supposed to stop. If you're looking for politicians who have the most leverage to fight the disease, this is the guy who has it, by far. But some people seem to be trying to desperately deflect responsibility from him for some bizarre reason, pretending that he and the outbreak are in two completely different universes, never actually interacting with each other at all. And they also seem to believe that the Governor of the 20th smallest state is actually the most important leader in the entire country. I guess maybe people skipped their civics class to go smoke outside? I dunno. I find it quite peculiar. But to get back on topic, while we wait on the deaths arising from the current surge of infections, it's worth noting that we ought to get fewer deaths per capita infected not simply because of the age of infected people, but because treatment has improved in a very real, significant way. This was one of the key goals of flattening the curve and doing the lockdowns, and it's starting to be achieved. We've delayed infections long enough that some people who would have died if they had been infected three months ago will now live if they get infected today. I speculate that the number of saved lives in the USA alone will be in the tens of thousands. I think that's a marvellous thing. It's ok--his enablers think it's worth it to protect/enable him despite the lasting damage which is being done to the United States. Like I said, more triggered by an NFL player kneeling or CHAZ but when 120k are dead it's, "well you have to think about the economic trade offs" or "it's only the elderly anyway". It would be one thing if Trump started taking this pandemic seriously in March (which would have been late as it was). Instead, he held two indoor rallies in places with surging cases last week and said "the pandemic is ending". It is no longer negligence/incompetence that you can merely accuse him of, but instead of actively seeding the virus. And yeah--big question mark as to why those individuals who claim not to be biased yet hark on about people protesting/Cuomo can't even muster some critique of the administration. Anyway, this is the coronavirus thread--and DJT will certainly not get a free pass here. Greggie said Cuomo deserves blame because 25% of American deaths have happened in NY State. Well wanna hear another statistic? 25% of global deaths are in one country: the United States--who you gonna hold accountable for that? I know to some people the answer will never be Trump. Well for one, if US is 1/4th then Cuomo still has some pretty big market share on the global scale as well. But regardless, its pointless. Try to have a non politically charged coronavirus conversation, Dalal is AWOL. Heck we can even talk repeatedly about how many different parties, including the Trump administration, have dropped the ball. Then give it a few minutes and Dalal will be back pushing his narrative and claiming no one ever blames Trump.... Sorry, Greggie you continue to mislead about me, please get your memory checked. I've been posting here in covid thread since late Feb warning (when your boy called it "a hoax") and you've been dismissing the threat consistently (often wrong, never in doubt). Mocking graphs you do not understand (even basic exponential trends) and you think I'm AWOL without politics. And yet you also follow me closely on PTON and TSLA threads (lol, sup pup). Maybe you think my posts are political because you lack the ability to interpret quantitative data and so you mock the graphs I post as well as Taleb's insights and think all I do is talk politics. A shame you can't understand any of the other stuff. Stick to REITs--real estate is much easier to understand. I bounced from this thread for a while once U.S. numbers started heading down around late April-May, but I came back as of few weeks ago because the threat is back (I was back before the headlines on FL, TX, AZ). I'm the kind of guy who focuses on details when they are relevant and I move on when they are not. Nothing to do with politics--if you can't get that thru your head, I ain't here to help you out. And LOL, you want to know my positions on TSLA and PTON? They should be obvious. If you can't figure them out from my posts, I question your ability to interpret things. I'm not here to help you out by laying out my exact positions anyway. In fact, I don't give a damn what you think. If anything, you are an example for me on how not to think. I enjoy learning from the mistakes of others and you are a great teacher in that regard. Amusing that you seem to paint me as overly political, but have nothing to say about the like of cubsfan whose every post is political, not that you're too far off from that. After all, you spend quite a bit of time in the politics section. Projection is a common phenomenon. Yup, more of the same. When you dont commit to anything, its all upside, no downside. Never wrong, always right. When you peddle flavor of the month Robinhood stocks but refuse to even answer a simple "do you own it" question, its by design. if it goes down; I dont own it, I sold it....if it goes up, you keep posturing. Highly predictable. Same with the virus stuff. Your graphs are not proprietary...sorry to break it to you. If you panicked in February/March you made a massive mistake(but again never having committed to an investment stance allows one wiggle room). And even for those things that have been impacted, assuming the balance sheet isn't upside down, you've got a hell of an opportunity in certain places, IE NYC-centric businesses. Art of the Deal level stuff right here, courtesy of Dalal.

Well, to be fair, it's because certain people on the thread literally never blame Trump. They literally don't acknowledge it when he's the person most responsible for America's mess. Like, he's the dude where the buck is supposed to stop. If you're looking for politicians who have the most leverage to fight the disease, this is the guy who has it, by far. But some people seem to be trying to desperately deflect responsibility from him for some bizarre reason, pretending that he and the outbreak are in two completely different universes, never actually interacting with each other at all. And they also seem to believe that the Governor of the 20th smallest state is actually the most important leader in the entire country. I guess maybe people skipped their civics class to go smoke outside? I dunno. I find it quite peculiar. But to get back on topic, while we wait on the deaths arising from the current surge of infections, it's worth noting that we ought to get fewer deaths per capita infected not simply because of the age of infected people, but because treatment has improved in a very real, significant way. This was one of the key goals of flattening the curve and doing the lockdowns, and it's starting to be achieved. We've delayed infections long enough that some people who would have died if they had been infected three months ago will now live if they get infected today. I speculate that the number of saved lives in the USA alone will be in the tens of thousands. I think that's a marvellous thing. It's ok--his enablers think it's worth it to protect/enable him despite the lasting damage which is being done to the United States. Like I said, more triggered by an NFL player kneeling or CHAZ but when 120k are dead it's, "well you have to think about the economic trade offs" or "it's only the elderly anyway". It would be one thing if Trump started taking this pandemic seriously in March (which would have been late as it was). Instead, he held two indoor rallies in places with surging cases last week and said "the pandemic is ending". It is no longer negligence/incompetence that you can merely accuse him of, but instead of actively seeding the virus. And yeah--big question mark as to why those individuals who claim not to be biased yet hark on about people protesting/Cuomo can't even muster some critique of the administration. Anyway, this is the coronavirus thread--and DJT will certainly not get a free pass here. Greggie said Cuomo deserves blame because 25% of American deaths have happened in NY State. Well wanna hear another statistic? 25% of global deaths are in one country: the United States--who you gonna hold accountable for that? I know to some people the answer will never be Trump. Well for one, if US is 1/4th then Cuomo still has some pretty big market share on the global scale as well. But regardless, its pointless. Try to have a non politically charged coronavirus conversation, Dalal is AWOL. Heck we can even talk repeatedly about how many different parties, including the Trump administration, have dropped the ball. Then give it a few minutes and Dalal will be back pushing his narrative and claiming no one ever blames Trump....

What I or you think is irrelevant. How do the financial markets value an 80 year old with a 3-5 year further life expectancy? How much do they contribute to the economy? If we are talking about investing, and penalizing markets/GDP/company multiples, these figures dont exactly move the needle. However, completely shutting down everything, does. Is it surprising that we continue to see improving economic figures, even in states with rising cases? Is it possible the economy can run better than expected even with a pandemic, as long as governments do not interfere? These are the investment ramifications I think one needs to look at. Whereas my parents/grandparents or yours can die, and we'd be effected, but the guy down the street doesnt care, and neither does Mr. Market.

That is all true but in a larger respect I think its relevant to the economic effects. If 40 is your threshold, but 32-33 and above are not contagious and show no symptoms....wouldnt it help to know how many of these on a % basis there are? Or just simply use the 33 cutoff. If, for examples sake, 85% are not contagious and asymptomatic, there really isn't any basis for shutting anything down, ever. If that % is only 25%, then its a different story. Again, part of the problem with this. Too much data and enough to support any narrative one wants. 120k deaths and all is tragic from a human being emotional perspective, but in terms of the markets and the economy, its pretty meaningless, especially if most are not major cogs in the economy anyway, and even more so especially if half are nursing home folks. In fact, if you know anyone who's ever had to pay for a loved one to stay in a nursing home...its very expensive and really puts a strain on your discretionary spending.

Of course they all deserve blame and everybody it seems has acknowledged that. But then whenever someone disagrees with you, its just some blanket "Trump minion, you never blame him" rhetoric. Back to corona, dont you find it at least moderately troubling that somebody can come from a region that has claimed no Covid for weeks, test positive, have those results brought back to the origin country, and their leaders say, "this doesnt count"? Why isn't everyone using the same test standards? Isn't it grossly misleading to compare certain stats when some are using a 25-30 and others a 40?

I mean I know others see it...but even the way you, as a NYer, whose state was by far the worst out of any in the world! now gloat and play politics because it appears others may now go through surges of the virus, although again, likely NOWHERE near as bad as NY....and yet you sit here and grandstand acting as if you guys were the model or blueprint for how to beat the thing! LOL As you keep citing total death count, you dont feel its important to mention how many of those your state leadership is responsible for?(right now its about 25% of all US deaths; not exactly immaterial)

Dalal you have spent the entire Covid thread attacking and belittling anybody who presents informations contrary to your narrative. Yes, you act like a pos quite often, as others have pointed out. Why is it necessary? You again continue to misrepresent things for your own agenda. I have never mocked dying NYers...only pointed out that the city has indeed been a cesspool and a public health disaster for a long, long time and that something like this was surely just throwing fuel on the fire. That public policy has been horrendous and the current leaders have only amplified that. That there has been mismanagement everywhere, from the top down, but you only want to talk about certain of them. But as usual, in classic Dalal fashion, you respond the way you did, rather than address anything of substance.