A cocky 25 year old young woman at a party is bragging about how he has beaten the Dow for the last two years by day-trading stocks, and how she plans to retire when she is 40 by following her proven strategies. Challenge her ability to outperform for my random, buy and hold strategy for the next 15 years citing four (4) specific reasons discussed in class. Can you make her rethink her chances? Briefly list and elaborate using four (4) bullets! No long narratives! (20 points)