Adding some further thoughts on crypto: Cryptocurrency cycles differ from those of US stocks. US stocks (primarily AI tech stocks) are currently at the beginning of a downward trend and need time to adjust and digest. Cryptocurrency has just ended a bear market (a larger cycle), and its smaller cycle is experiencing a correction due to the US stock market pullback, the Binance hack, and the midterm election losses, hence the pullback. The second half of November is a good time to position in crypto, especially ETH. A buy-in is possible between $2000 and $1800. Wait a bit for altcoins; once ETH recovers, strong altcoins will inevitably emerge. Will it be ZEC or UNI again? I don't know. My principle is to buy whichever is strong, boldly chasing the trend on the right side, and waiting until a clear trend emerges.