dina and tony isola, representatives of ritholtz wealth management. welcome.n it comes to defined contribution retirement plans, we are familiar with the 401k, but there is also the 403(b) that teachers use. you call it the land that time forgot. dina, why they are problematic? >> unlike the 401k, where the employer has a fiduciary responsibility to that the investment, 403(b)'s don't have that requirement. unfortunately, many teachers are not aware of that. they think that like all of their other benefits, this happens to be a great benefit, but if you don't know what you are looking at and you don't know how to compare the fees, it is a landmine. the pricing is such that it is almost like, back into the 1970's, where people are paying 2% for annuities, surrender fees, or paying front and sales charges of 5% with a 1% mutual fund fee, which is unheard of nowadays, where you can have such a low-cost option. scarlet: a lot of teachers are pitched on variable annuities. why are they so bad? you were pitched some of these items as a teacher. how well did you unde