Thanks for the clarification Thomas.  I&#x27;m still a bit fuzzy on the potential impact of wholesalers and such with regards to regular Joe &#x27;401k&#x27; Investor.  I&#x27;d love to read more if there&#x27;s any solid articles you&#x27;re aware of that explain this.<p>As a regular investor who is making his way through &quot;A Random Walk Down Wallstreet,&quot; it is hard to look at how Wallstreet has behaved over the years and not feel paranoid that I&#x27;m being taken advantage of at every turn.  Right now I like the Bogleheads approach to investing, and the logic behind it, but am interested in how even that approach is potentially being taken advantage of, and what those real risks are to investors of that philosophy.  Or...is that even something to be worth getting concerned over and is there a bigger threat I should be focused on learning about?