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Typical average investor mindset - fear when a stock drops in vlaue, and will be greedy when the stock rises in value. A good investor have to resist the fear when price drops like now with C; and a good invetstor shall not be too greedy if a stock has risen in value, and better to seel it. C is a great company with some very short term issues. These issue will be worked out in 2-3 months time. The normalized EPS will return. By then, C will be back at 45-55 at least