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this thread is starting to get way too "intellectual."
you're all about to learn that finance is an emotional endeavor through and through and it is going to be a very humbling (not to mention impoverishing) experience.
money wants to go into the hands of women (this is known as simptripital force) and the men that love them. and it always finds a way. there's still time to consult a psychic and get on the right path, but that is running out. don't say you weren't warned. top signals everywhere.