I was too.
And I hadn't found an explanation that I felt was anything more than some stockbroker or his analyst trying to tell me "Oh, don't worry. We have it all under control. Keep sending us your money and we'll all continue to get rich together." [Note: When the market goes south, they still keep the part of the money you sent them that was labelled "fees." The rest of your money just disappears without even the dignity of a puff of smoke.]
I forgot to check Robert Reich's blog. Then I got to them this morning and "Voila." There was the answer.
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