My goal, as a Seeking Alpha contributor, is to provide a fundamental view and analysis of companies and funds in a streamlined version of institutional research. The operating and financial forecast, whether my own or based on consensus, drives the valuation and ultimate rating. I like numbers (financial statements) and use words to explain their meaning and potential consequences. For the most part, my selection choices reflect what I believe can offer long-term potential, and I frequently take positions in many ideas for my personal account. I have more than 35 years of experience in the investment field, having worked as a sell &amp buy side analyst and portfolio manager for debt and equity funds.