The subject can be viewed from another angle. I understand the frustration on this COLT, Michael probably lost some $$ (guesstimation, I know nothing about COLT). According to a Yahoo story that I just read a few minutes ago, if $1000 was put into Fannie Mae, it's $2-$3 now, if $1000 was put into AIG, it's now $15. It's **very very lucky** that $5000 was not 'invested' into those. Regardless of whatsoever, this COLT performs way better.
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