This is really informative--thanks for breaking it down like this.<p>So if I&#x27;m largely a buy-and-hold kind of guy with my investments, there&#x27;s not much to worry about from these practices then it sounds like.  I do still worry what the risk is for buy-and-hold investors flocking to index funds as that seems like it is ripe for a problem of some sort, but given the nature of what an index fund is, I&#x27;m having trouble identifying how that could be a big issue.