JA-77 is a dumbass. He reminds me of my Union Carpenter cousin who thinks the union always takes care of him. Little does he know his pension and medical benefits are probably 50% funded or stolen by the mafia. I'm a retired Mutual fund/institutional portfolio manager. I'm a CFA, Ph.D. in economics and finance. They suffer from the Dunning-Kreueger Effect.
I stopped getting on to The Hull Truth 2 years ago because of all the A-hole Know-it-alls that migrated there. Sell anything on it, and a gang comes to chop you to pieces cause they are re-sellers.