Think of credit utilization like rocket fuel. Too much, and you risk burnout or a messy explosion. Too little, and you don't get off the ground. That's very much the way I approach portfolio diversification advice. We don't want to be reckless, placing all our chips on one number, yet we also don't want to be overly cautious, spreading too thinly to make any real gains. It’s about finding a harmonious balance, and like properly managing credit, it's the key to stable, long-term growth in the tech business world.