now i will dispense with the anecdo anecdotes. it's fine to have fun. i'm about making money., that's where i began to understand the process of actual money management. not picking a stock here or there. but the process. the ability to build a portfolio from the ground up. and i had the best teachers in the world at goldman sachs. one of the great hedge fund managers at the time, lee cooper. he put on investing clinic almost every day of which i never missed a session. hardly an hour went by when i didn't hear a great new idea to explore. you know who i learned from? my customers. it was at goldman i learned something that still isn't under stood by many and that's individuals can and do beat the market quite regularly. why don't they know it? if they only worked goldman with me they would see it, they would know what i saw. no they were all unpractical. when i was at goldman i had nondiscretionary accounts, i wasn't allowed to invest anybody else's money with my own ideas unless i could win them over. remember i was on commission. and made money with buys and sells. there wa