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To: HairBall who wrote (11237)	11/23/2001 3:11:01 AM
From: Raymond Duray	Respond to of 74559

Hi LG, Re: Of course all of the above is nothing more than opinion supported by nothing more than years of observation... <Smile> Yup. Corroborates my observations to a "T". As well as that of an astute observer named John Bogle, formerly head of Vanguard Funds. His book "Bogle on Mutual Funds" was scathing on the topic. This, of course, eventually ended badly for him. His own board chased him out of the company because he was too forthright about "the game". Cheerio!