"on a personal level, i think this is the worst moment of my career. it's an all too familiar scenario- people giving up security in the name of convenience. a security i have never had in the world. the answer can be found in section 10.2: the weighted average cost of capital. at least, that's how it appears to me, most days. purchase by phone or in person. it was a huge step for me to be able to see things in this manner, to see the reason behind everything. 