Yes, there is, but you can't look at the number of complaints in a vacuum. As I stated, 30 complaints can be good or bad only when you know how many plans are sold.

And who is to say if those complaints are valid or not? When you look up complaints for Fidelity, for example, tons of them are about entirely different companies with a similar name!

Bruce

Sportstick resigned and he is somewhere with his family enjoying the holidays and laughing at this debate.

Yes, well, I sent him a PM telling him to "Lay on, McDuff," and he replied with the substance of yours, except for the laughing part. Actually, lugubrious, I'd say.

So, I learned a great deal, and that I'm far better off establishing my own reserves.