You're a former broker / salesman!? LOLOL Of course you don't trust anyone... or have a clue what a benchmark/statistical validation is. LOLOL.
I made my bones in the crash of '87...and you got bumped.
Blow your little whistle all you want old timer.
My offer still stands. Come up w/ some one honest, and I'll put 'em thru my school for free.