Not possible. There’s no way, just look at the performance of those parts over the past 5 years. I’d go look at your statements. Seems off to me. What kind of healthcare? Biotech is very volatile but broad healthcare hasn’t collapsed either.

What are the holdings and have you changed the allocations over time? Seems nearly impossible without major mistakes. Do you hold your own company’s stock? Mutual funds with high expense ratios? I’m very curious what’s going on here. It looks like something blew up in November 21 and never recovered. Were you holding lots of COVID technology plays like Peloton and Zoom Technologies?

This is hands down one of the best scores of all time

There are usually voting rules and you’d need like 75% of residents to vote in favor of changing the covenants. Usually there are enough people who like the HOA rules. Also it’s hard to get 75% of any population to do anything.