as the author is a "student" of the investment world/finance... I take it all with a grain of salt. I had the series 6,7,and 66. It doesn't make anyone a genius or add credibility. Just means you are as dangerous as any clown out there. Now, after almost 40 years in investments/finance- I like CIM, yet it also makes me watch it like a hawk. But then, what do I know. The government has things so screwed up, all I see is a house of cards. Soon we will be asking the Chinese for permission to go to the bathroom... but for me it will be to puke.