Thanks for the honesty. I wonder if you have a clearly defined life goal for your investing? With a bunch of cash and extremely low interest rates, I like to encourage you to take some of it and put it into real assets. I know I am biased because I mentor people in residential real estate investing. If your goal and purpose includes the development of a steady income stream that will be there no matter what and utilizing leverage (80%) bank money versus no leverage in your stock investments, maybe you should consider putting some of your gains into a real asset portfolio.