is in order. From now on, if you want what were routine returns a few years ago (in the 10-20% range) you'd better be prepared to take big risks (BRIC stocks, for example). If you want a safe, sustainable return in a stable economy, you'd better be prepared to accept 3-5%.

The 2008 bubble was the last throes of "everyone deserves a huge return", and it killed the goose that laid those eggs. Now only vultures are extracting that sort of return.

_{It is rightly acknowledged that people of faith have no monopoly of virtue - Queen Elizabeth II}