That is,they should be testing for individual needs,interests, abilities,and not to compare one student to another.

VOA: special.2010.01.07

The Morningstar study is incredibly damning in terms of the market timing abilities of individual investors.

晨星公司这一研究结果,谴责了个体投资者的市场时机选择能力

耶鲁公开课 - 金融市场课程节选