His main goals were very simple: He wanted to offer individual investors the lowest fees out there, to avoid trying to outsmart the market and to represent the market with as little distortion as possible.

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It cited Penn State's "excessive focus on athletics" and showed how under Paterno, a football-mad university created its own insular, reality distortion field, one in which to "avoid the consequences of bad publicity, " facts were brushed away and concealed.

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