We really haven't had very much experience with people funding their retirement out of the stock market and we don't know frankly how it would work under every scenario.
And so I think that if the person has the funds the network and the equipment to do this and also the experience which is the key factor then they can be quite deadly.
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For me it is just the total experience – from the time I first started as an assistant coach until I wound up at the University of Texas for 20 years.