Baltimore — There is no debating the private sector is more efficient than the public sector. Give a hundred grand to a small business owner and he will quickly spend it in a way that provides his business the most reward.

Give the same cash to just about any government entity and the bureaucracy will spend another hundred grand studying how to spend the original allotment.

Now that you have the standard deviation-volatility idea down, you can roll right on to Bollinger bands for a practical way to put what you know to work.