Tom,

Well put.

As an advisor, I should be able to explain any investment idea to a client in plain English. If I can't, I shouldn't invest. "Show me how" is a great way to get specifics about any recommendation.

I love you comment about asset allocation, too. There are many models out there, and we can't just "plug and play" like it's an app on our iPhone. I like the way Paul Kaplan of Morningstar put it: "Historical results should not be blindly fed into an optimizer."

Rob