We were thrilled to hear the experts/pundits speak on Friday as well as Barron's most recent roundtable of 10 experts write on Saturday about how cautious/pessimistic they are about the prospects for the financial markets in 2020. There clearly is no over exuberance or froth in the marketplace yet. Just the start of a rotation back into equities, which have been liquidated over the last few years, such that its allocation is well below their historical norm, while reducing bonds and cash positions, which have been the preferred asset classes, and are now over-weighted well