Mr. Nsubuga was corect about buying when markets are low. Warren Buffett, the famed Oracle of Omaha, never seazes to repeat that, i stock markets, you should be greedy when others are fearful and fearful when others are greedy. That said, the psychology of the herd mentality is so hard-wired into human beings that it remains most difficult to be sane when everybody around you has lost their mind.