forget the davinci code. you have to break the wall street code and i'm here to help you crack it. that's why tonight i'm giving you my wall street jiberrish to english dictionary. words and concepts that many people don't want you to get your heads around. that might make you feel empowered enough to pull your money out of your coffers and start handing over your fees and commissions. let's start with a couple 06 important ideas that go hand in hand. cyclical and secular. cyclical? nothing to do with the spin cycle in your washing machine. it's cyclical because it depends on the business cycle. chemical companies, dow chemical, ppg. these companies are all hostage to the economy. when it heats up, they all earn more money. investors pay less for the shares. so you've got consumer stap.els, drug stocks like pfizer or america. why is this the first pierce of wall street jargon i'm translating for you? because it helps you determine how much institutions are going to earn. the whole hedge fund play book is about when to buy and when to sell cyclical stocks or secular ones based on ho

brain injury, the fact regulation dealing with tbi is so complicated that some people call it the davinci code. look at it time and be complexed. some look at it by va or as evidence by the claimant comes in, ancillary issues arise, different theories of service connection come up. they can become very difficult. some claims, more than a few and more than i like, can become complicated because of va error. in those cases, the veterans face a nightmare, not only do they have to get the right evidence before the va; they have to overcome the unfair denial which is an obstacle that stands in their path. the worst type of va'ers are the result of premature adjudications. some varos incorrectly adjudicate and prematurely deny claims based on inadequate evidence, especially inadequate va exams. these errors reveal for many veterans that the claims process can be adversary. based on my experience working for the va for many years, working for nvlsd, going on quality checks to over 40va regional offices for the american legion, who should be commended for doing that work, shows to me that the error ra