Philip Carrets Investment Philosophy Sound Balance Sheets Minimal Debt and Responsible Management Key to LongTerm Value Micron Achieves 1 Trillion Market Cap Milestone as AIDriven Memory Demand Surges Mortgage Rates Decline Again on May 23 2026 as 30Year Fixed Drops to 634 DeepSeek AI Claims CostEffective HighPerformance Models Without Premium Chips Prudential Financial Stock Underperforms Market Amid Analyst Target Price Scrutiny GoldYield Correlation Shifts Why Bullion Declines Alongside Falling Treasury Rates US Stock Futures Signal Continued Upward Momentum on Wall Street