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Hi, this is Tom Cock. Most of us know what we pay for various things. You go to a restaurant,

if you're lucky enough to go to one, you get a menu, shows you how much the steak is or the chicken or the pasta.

You know, there's going to be some little bit of taxation on that.

That's what you're going to pay.

You go to Amazon to buy something for your wife for a birthday.

Pretty clear what the cost of the item is.

Again, a lot of clarity around the taxation and in this case of

delivery fee is going to be charged or not. A lot of transparency there. But when it comes to

your investments, oh, it seems so confusing. And many of you simply throw up your hands and say,

I just trust the person I'm working with to do the right thing. And we know one thing about this industry because there's

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