That&#x27;s a very self-righteous way of saying &quot;I am not willing to perform a few Google searches and do a bit of reading&quot;.<p>Here, another hint: you can use the search box on the bottom of this page to find comments from me quoting Vanguard.<p>Either way, since you&#x27;ve accused me now of simply making things up to win arguments, I think I can let you off the hook. There&#x27;s not much point in us discussing things further.