The other evening a very good golf player told me expensive new golf clubs will not make an average golf player score better, so as he put it: “these should not waste their money”. When I rented skis a couple of years ago in Zermatt and then was not soo happy, I was told I needed a much higher grade -which they do not offer to rent. I don’t play golf -but am a good skier. Similarly, most people don’t have any know-how in financial investments because this is rarely taught in schools…besides needs long first-hand experience. Deduce, most with capital to invest on their own will not likely benefit from perceptive and judicious expert advice. Similarly, those which do would do well to acquire and value it. But as reality would have it, this can’t be just “rented” on the cheap or for free. Then again, as the founder Mr. Enzo Ferrari reportedly once said, “I know nothing about engines, for that I have my engineers” Do you?