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The 5th Standard Deviation: It Happened

December 22, 2008
The Disciplined Investor®

As many of you know, every year Phil & I send out a Christmas letter that is not from Performance Trust Companies, but rather from the two of us personally. We use this special time of the year to communicate with you in a very personal way, as we will give you our perspective of what Christmas means to us. We warn you in advance that some of the discussion that follows will be controversial in a business setting. Some may find it out of place, distasteful or even offensive. To you, we ask your forgiveness in advance.

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