Tuesday = principals meeting day = talk story ; my favorite way to consume that limited time......but today was truly superior: two people brought in articles written by folks who are each much more respected than yours truly. These articles each confirmed my prognostications from 12 months ago. I always write what I call "Client Notes" each January where I address my concerns about the comming year where I identify industries that I believe will require particularly close scrutiny in order to mitigate risk to investors/lenders. I also propose actions that should be taken with rough time intervals.