I am convinced that courage is the most important of all the virtues. Because without courage, you cannot practice any other virtue consistently. You can be kind for a while; you can be generous for a while; you can be just for a while, or merciful for a while, even loving for a while. But it is only with courage that you can be persistently and insistently kind and generous and fair.
According to Krishnamacharya , practice and knowledge must always go together. He used to say, practice without right knowledge of theory is blind. This is also because without right knowledge, one can mindfully do a wrong practice.
Truths cannot be acquired from words out of other people's mouths. Before Truths can be internalized, they must come from one's own realizations and practices. Through a lifetime of personal practice, human beings are capable of revealing all of the secrets of the cosmic essence. You are your own best judge.
I make no effort to predict the course of general business or the stock market. Period. However, currently there are practices snowballing in the security markets and business world which, while devoid of short term predictive value, bother me as to possible long term consequences.