Why Spencer's-Hockey-Stick is a puck, Stockvadar-explains
Investors, Here's why everyone should ignore that stupid hockey stick.
1. It's a THEORY (a wrong theory)
2. It's just one m@ron's opinion
3. It doesn't account for what will happen as:
a. Insurance companies ramp towards 50% and higher over time
b. Direct marketing
c. Consumer results add traction
The hockey stick is bull pucky because you need points "a" and "b" and they are coming.