Last week, we attended Charles Schwab & Co. Inc.’s IMPACT investment conference. My perception was that the “consensus” opinion by experts there was for very low returns to all generic investment classes for the next decade. We should keep in mind that the “consensus” is often wrong. Now I’m watching overwhelming news which indicates that whoever is elected President next week is likely to have a very tumultuous four year term, complete with possible violence and impeachment. If Wikileaks is correct, then our system of government is indeed corrupt. What this means for our investment plans for the next four years is impossible to decipher. My plan is prepare deeply and steer a middle course. It is entirely possible that we might find bargains in all this, and it is also quite possible, as is so often the case, that we will all muddle by, and in fact find diamonds in what seems to be a gigantic steaming manure pile of social unrest. With shovels in hand, on we go.