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Yes agree. Lesson learned. All part of the learning experience.

I read all the major publications daily. There were many articles pointing to this. And I don't seek out articles by doom and gloomers either. I was clearly not critical enough when consuming this but I did not imagine any of it either.

The reality is even as early as 6 months ago the general consensus was a rate rise in 2015. I don't think anyone can claim to read the market, we can just do the best that we can with the information available to us at the time. As I said - it's a small tactical mistake. Small mistakes you...

5 years. What on earth was I thinking. Oh god...!

Yes, 5.6 or something. But it's a small mistake. Gotta remember it's the big mistakes I have to avoid.