Hey Chippy, how have you been? And thanks for your contribution...

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    Hey Chippy, how have you been? And thanks for your contribution here.

    Yeah I am aware of the 18 of 18 statistics. But then, we are living in times outside the norm. There seems to a first of many things happening as well so as we are constantly reminded, the past is not an assured predictor of the future.

    Markets may well be on track for a year end rally since rates have yet to reach the elevated level to cause stress but its a timely reminder that we shouldn't take too long to manage risks.
 
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