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FYI: In a June 1999 interview with Businessweek, Warren Buffett is quoted as saying, “Success in investing doesn’t correlate with IQ. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people in trouble investing.” Regards, Ted http://www.etf.com/sections/index-investor-corner/swedroe-difficulties-discipline?nopaging=1