Gregg Early: I'm here with David Fry publisher and editor of ETF Digest and author of the new Amazon.com eBook  The Best ETFs: US Equities. David I guess the question would be what advantages do you see with ETFs over buying US equities just outright buying the stocks and creating a portfolio that way? David Fry: I think for most people it's just much less risk for them to be spread out over an index versus trying to pick stocks. And then with stocks it becomes more difficult to pick the best ones and how many do you need and ...