p john henkel is the president of online trading academy. he joins us today. thanks for being here. p thank you for having me, chris. so tell us more about whatp is online trading academy. we are the premier financialp educator, teaching ordinary people how to trade andrinvest more effectively. p and i'd point out that we have t here in denver. the name, online tradingp academy, we're teaching people p how to trade and invest online. and all our instructors arep all world-class traders, so our students really benefit fromrthat experience as well. all right, so i want to makep sure everyone understands that you teach people how to tradep and invest online, but they learn at a locationt here locally. exactly. v okay. our denver campus. all right. now why is it, though, that sop many people struggle when they p try to invest in the market? p it's not their fault, really. most people, they've neverr had any real training. they don't have the knowledgep and skill set necessary to be successful in the market, so,p consequently, they just put r their money in and hope for the best. rit's b