[00:11] these probabilities don't apply if you invest in individual stocks that you happened to analyze or saw somewhere, but rather if you invest in a diversified way.  The typical SP500, although that's only the United States, we need to diversify
[00:26] globally, for example, the MSC World, although that only includes developed countries, we would be missing the emerging ones.  In the description I'll tell you emerging ones.  In the description I'll tell you which one I invest in.