The demarcation line here is 2012 though, and I wouldn't say material wise things made a sudden shift between 2008 and 2015. Arguably things were worse back the

The demarcation line here is 2012 though, and I wouldn't say material wise things made a sudden shift between 2008 and 2015. Arguably things were worse back then with the GFC while this decade has seen incredible returns for investors.