They are lovely girls in their 20s and one has a service dog in spite of my no pets policy.

And, in spite of all the press that black mold has received, there is no evidence that Stachybotrys molds have killed anyone - when found in an indoor environmental setting.  

In spite of all the opinion on BP about "wholesaling" automatically and absolutely being considered a brokering activity, it is not.  

I would propose that the difference is that the successful people in ANY given generation are the ones that don't make excuses and go out and strive to obtain their goals regardless in spite of the obstacles life has delt them.

Most would say Steve Jobs, after all, he brought us the ipod and itunes, then the iphone and ipad, but even more importantly he made technology simple....However, in spite of all his innovations and marketability, Warren Buffett is still 8 times as wealthy as he was at the times of Jobs death,....and all Buffett has ever done is invest."

It's the Hippocratic OathThe Hippocratic Oath doesn't state that if a patient is going to die if they don't get a kidney transplant that the doctor is required to give them a transplant if they can't afford it.Unfortunately, plenty of people die every year because they can't afford emergency health care...in spite of the Hippocratic Oath...Though I do agree with you that we're more talking about preventative care when discussing reform...

I believe in the goodness of humanity, in spite of all we do to each other and all that we do to destroy the planet.

To verify that, just look around and see those that have suceeded in spite of their treatment due to race, gender, religion etc.

The only hypothetical situations we're talking about are the poorly constructed ones you are tossing out in your analysis and refuse to recognize as flawed in spite of experienced local investors repeatedly correcting it with actual numbers from their own portfolios and experience.

@Hae-Yuan ChangThis is an interesting concept,  in spite of the fact that I tend to agree with Roy N.