This is from Goldman Sachs; and while it must be balanced, it is broad enough to be useful as we try to solve the puzzle of our path. It offers a far more traditional approach than I normally take. But if I deviate, then I need to know why, and from what? On a personal note, I wonder if it is possible to get any busier? :-) Not complaining, just rather amazed at all the interesting things that have been laid on the table.