I probably have 30 or 40 market timing indicators that are sentiment based.

The market is probably steadily, boringly, going to continue the way that it is.

The market probably hit a trading bottom last week, and sentiment is negative enough to suggest we'll see a rally,

We look smarter than we probably really are, but it was good timing,

Sentiment in the bond market has really soured.

What we've seen is a definite shift toward professionals, skilled professionals. That was a market that didn't really exist as much in Vermont five or 10 years ago.