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But one of the ideas behind the 401(k) was, “you can do it!” You own it; you run it. And you’ve got millions of people out there saying, “I can beat the averages.” What do you say to that? I say, don’t kid yourself, pal. Look, it’s so simple. We’re not like the kids out in Lake Wobegon. As investors, we are all average, and as investors, we all share the stock market’s return. It’s going to turn out to be 8 percent return, we’re all going to share 8 percent return, but only before costs are deducted. We all share the market’s return less the cost of the financial system. All those management fees and brokerage commissions and sales loads and God knows what else is thrown in there — the advertising that you see. …