. >> if you are managing, if you look at magellan or blackrock, you think they must have access to the best information in the world. >> they do not have that information. they do not see things get better the way -- they do not see the return as soon as the people and accounts do. it can be in plastics, lithium, whatever it is. they see it first. in a mall, imagine the companies you have seen, dunkin' donuts. wal-mart. these companies get better. gee, i am shopping there. i'm not saying people -- if they want to invest, they should do the same research when they buy the refrigerator. do some homework. >> you know what about this country is stunning to me? we do not do that about medicine and our health. we don't do it. i am more interested in getting the best television than the best medical, medical. >> i agree. the diagnostics, talk about improvements. it is so much better. >> the other thing is the advice we give to investors. >> i think the advantage of putting money into a retirement fund, index, whatever it is, put some money aside. it is going to compound tax- free. >> and will