"This is a time when you learn who your friends are... it is essential to get the people nearest to you to comprehend the real issues, " Borkowski said.
"You can still have crooks cooking the books in smaller companies, but it's easier to comprehend their financial statements, so it's easier to uncover it, " says Yokosawa, who specializes in small caps.
In many respects, it's difficult to comprehend the fact that it's actually a real phone and not some plastic replica that you hand over to your toddler.