[Mamzelle]

Count me as one of the stupid. I’d answer the third question “it all depends on which stock and which mutual fund.”

[Cementjungle]

Count me as one of the stupid. I’d answer the third question “it all depends on which stock and which mutual fund.”

Exactly. I can show you mutual funds that are going to perform poorly, and can show you individual stocks that have an excellent track record. It's a loaded question.