I wanted to clarify my comments about work and play I made earlier as it appears I may have been unclear. For me, work is mostly play, and play is nearly all play. I define work as something I would need to be be paid or coerced into doing. As an example of the latter, in my wealth management business there are some regulatory and paperwork things I don’t enjoy doing that must be done to stay in the business. I view them as the cost of admission so I can play the rest of the time. For that reason, I’m probably closer to 95% play/5% work. As it is a regulation-intensive business, 95% play is probably the best I’ll ever achieve if I want to stay in the the investment and wealth management business I so love. Some day, however, I may decide to go for 100% by getting out of that business and going back to helping my friends and family invest without charging them for it.