shown that it is very difficult, if not impossible, to analyze a firm's financial condition and consistently pick stocks that outperform the market at a given risk level. Experienced fund managers, who are so-called experts at picking stocks, can't consistently beat the market. In fact, a monkey throwing darts at a Wall Street Journal stock listing can usually pick stocks as well as the experts!' Of course, you may get lucky and pick a stock that really takes off. By the same token, you could put $20,000 on red at a Vegas roulette wheel and win-but that's a very risky proposition, and you won't...