I was born in 1943 and know enough to know that the political climate in 5 years WILL change. Likewise, the insurance industry WILL undergo further regulation. All sorts of changes WILL continue to happen that effect your money. This is precisely why I see BERK as the best deal on the NYSE. No other company seems to be able to consistantly roll with the punches like BH and still come up a winner. I only hold one stock and sleep good at night.