Firstly an apology if you tried to view my latest video on YouTube yesterday and could not.
I had set it for a midnight release but did not check in which time zone that midnight was. I am still getting used to using a video server and all that entails.
Because it worked for me immediately, I did not mention that fact in the release announcement. Sorry if you wasted time trying to view it. It is a public video, so you don’t need any password or login to access it from the link. However, if you use YouTube rarely, please do ensure that your device has the up-to-date version running.

Of more interest is some data just published by Morningstar, below:

The only thing I would add is that my personal intuitive assessment of the probability of Morningstar being right is only 50%!
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