I'm still in the middle of conducting Batch 16 of my ERM course so I thought I may write a short note on some developments on the professional front.  I am fairly close to entering a new stage in my professional life. After graduating about 16 batches of students, being very conservative, I think that it is time to start scaling up to run a small business to assume the bulk of work conducting my financial training. My program is evolving in a different way than many training programs you will find out there.  Just this week, I launched an online tool on Heroku for my community just to see what happens when analytical tools are made freely available. Because I opted for free cloud hosting, the website was sometimes slow, but it showed me that one amateur Python developer can build something useful for a community without an expensive...