That's the conventional short-term wisdom, but you'll find just about any rule is bendable to breakable when market conditions change, folks get scared, or they

That's the conventional short-term wisdom, but you'll find just about any rule is bendable to breakable when market conditions change, folks get scared, or they simply decide to. There's no document formatting that can't be copied elsewhere. Start with new documents and convert the old ones (to pdf or whatever) at some point.