Either they're trying to con you or they're trying to con themselves.
When bills come due, only cash is legal tender. Don't leave home without it.
Earnings can be pliable as putty when a charlatan heads the company reporting them.
The stock market is a no-called-strike game. You donโt have to swing at everything โ you can wait for your pitch.
A single year's performance is of minor importance and, good or bad, should never be taken seriously.
There's not many businesses where someone can come in and offer to cut the price in half and somebody doesn't think about shifting. But that's the nature of the ratings business.