This is so true and something we forget, especially here in the U.S., in my opinion. we're so used to someone else "watching out for us" that we forget it is our responsibility to do the homework. And even then, there is still risk. I could do all my homework and still have some bad luck. It just happens. I also cannot imagine making an investment that costs as much as an African hunt without getting on the phone with someone at some point, but maybe that is just me?