Yesterday, I got two emails requesting a response to the current market pullback. I received another couple of emails referring to a prediction (by a very well-known investor) that the stock market was now inevitably poised for a 50 percent decline. Clearly, the anxiety level is high, which makes sense given the multitude of worries and things that could go wrong. We have the Omicron wave, inflation, interest rates, a potential war in Ukraine, and on and on. Is this the end of days—again?