The more you dive into "natural selection" the more you realize the absurdity of it. The numbers are just too big
"For most individual point mutations, even though they are DESTRUCTIVE and result in LOSS of information, they are so subtle that they are essentially invisible - they do not produce a distinct or recognizable effect. Obviously when considering mullion of mutations simultaneously the problem becomes mind-boggling.
Imagine wanting to buy an encyclopedia set, knowing that each set of volumes has its own unique collection of thousands of misspellings. Could you realistically stand there in the bookstore and sort through all those volumes - trying to find the set that was the least "degraded"?
Given two sets, each of which contains it's own unique set of 10,000 misspellings, how could you choose which set has the worst mistakes? The choice becomes totally arbitrary!"
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
Worried About a Stock Market Crash? Here’s What You Should Be Worried About Instead. - Barron's https://share.google/zxmc1t7eE4TLrdHPh
Read this article from Barron's
https://www.morningstar.com/portfolios/when-it-comes-bonds-dont-be-hero
Interesting article on bond allocation, short term needs for retirement are better to be in a money market account up to two years of spending and up to ten years in a high quality active bond fund. Also active bonds have outperformed index bond funds by one percent