Dow Down 765, we\u2019ve been due for a correction since March 2020. Shortest time in history where the market doubled.\xa0 Technology has brought about a huge evolution. Spreads have diminished. Everything is digitized. High frequency traders have changed the game. It\u2019s made commissions free and has saved investors money. It\u2019s an unsolvable puzzle. If the SEC reverses this policy is could have negative effects. Buy blue chips to hold for the long-run. Gil is a big proponent of ETF\u2019s. Avoiding commingled accounting and annual gains involved with traditional mutual funds is a major benefit. That combined with estate planning benefits can make a huge difference in estate taxes.