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I've been in this business a long time. A "really" long time. As a friend of mine, our Vice Chairman at Schwab at the time, once said, "I'm so old I remember when Chuck Schwab wore glasses and had gray hair."
In the intervening years Chuck has reverted to that distinguished gray and done wonders for individual investors. In the first three weeks of March, a lot of investors turned prematurely gray and were willing to become monks in Nepal rather than investors.