Just to let you all know and to prevent speculation - I need to announce that Steve Navra has decided he can no longer afford to be posting in an open forum about his businesses - he has decided it is potentially damaging to do so, and will refrain from further posting or involvement with InvestEd. This is very sudden and unexpected - but will have relatively little impact on the continued operation of InvestEd (we have been operating quite well without regular input from Steve so far - so nothing has changed !!). The remaining four founders are still very committed to continuing the great work we've already started with InvestEd - and so for now it will be business as usual. There are a lot of new features and plans still in the pipeline, and a change in my own personal circumstances this year will hopefully provide me with the opportunity to complete a lot of these tasks for the benefit of our rapidly growing community. I look forward to doing so. Steve will no longer be posting - so please don't post here asking for feedback from Steve - and Steve has also requested that people refrain from requesting he return. If you would like to discuss investing strategies with Steve, please contact him via Navra Financial Services and if you have questions about the managed funds, please contact NavraInvest. So let's all move on and get to discussing investing - which is why we are all here anyway.