"The number of managers with great track records in a given market depends far more on the number of people who started in the investment business (in place of going to dental school), rather than on their ability to produce profits."

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The fact is, if you have a solid healthcare plan, you still don't have dental. If you have dental, you might not have vision. And if your back hurts, well, a chiropractor's not covered in that. It's a hassle. You have to go seek out on your own and look for the best plan you can afford, and a lot of times what people can afford is not what they need, and it creates lot of leeway for people to slip through the cracks.

— Mr. Lif