I appreciate your articles and have learned a lot from them. We all have an ex ante problem and different approaches to try and mitigate it, some better than others. The questions to ask , how much time and money do i spend on it and how much extra return am i getting for my cost? Everyone is going to have different answers to those questions. Personally, a simplified, diversified, low cost portfolio works best for me. I suspect that it would work best for most people but not all. Thanks again.