02:46.  Some people are really good at forecasting pricing and even those people will tell you that they're pretty good at about 40 to 60% of the time, that they can build up there value, their holdings over time.  My story about Mr Ferron reallocating money & resources.  Some people are so eager to pay off old debt but it's not a really good use of capital.  A good use of capital would be if I had the ability

Putting your cash into tax lien certificates is nice.