HN user
Not always! I buy everything, including food shopping, on 0% credit cards and keep the money in savings accounts earning interest. I always have a matching amount in savings as the balance on credit.
I work with them every day and it's a real struggle :'-)
"Can you show me how to make a chart in Excel again?"
I just imagined trying to explain to my non-techy colleagues how to get the pasted "stuff" to look like the copied "stuff" and that pretty much answered the question...
Everything about Windows and Microsoft office is annoying to someone who knows how to use a computer properly; unfortunately, the vast majority of people using them do not. I work with people who use Excel every day and will still do the maths in their head and type into the cells because formulas are too difficult for them to master.
In the commodities world it's expected that Goldman's physical position is the opposite of what would be expected from their analysis. It's also worth pointing out that it's perfectly reasonable for a forecast to be very different to a current price due to price being a function of time and different risks and time horizons involved.