This is a reply to a regular reader and active commentator, Garudadri. I thought I should publish it as a blog to issue a warning to all readers. Here goes. To be quite honest, I am not rubbing my hands in gleeful anticipation of a greater market crash. Apart from being aware of what a market crash means for many people, I am also a very lazy investor who would very much prefer to do nothing instead of having to do something. By my own standards, last year was a rather active year for me as an investor, too active for my liking, and I was looking forward to a year of relative inactivity in 2023. I think Warren Buffett would approve since he famously said that "inactivity strikes us as intelligent behavior." Nothing would please me more than to see my businesses chugging along nicely and paying me reasonably well, year after year....