More luck than anything else really. It’s been really hard to miss the last 6, 7 years if you stuck with solid companies. I thought I was smart pre 2008 and got taught a lesson that I will never forget. Pride comes before the fall. Even with stuff in my wheel house like residential real estate and mortgage loans, I’m cautious and stick to my spreadsheets and models. Stocks? Not so much but I have fun with it. Cheers.