For me, the transformative moments have more often come either at times of total inattention or of total breakdown.

FORBES: What to do when the transformative moment arrives

Both parties used to exercise restraint in using these, because of the potential for what we have now: total partisan breakdown.

FORBES: The Cordray Maneuver

Here is a free copy of my report on ARPAX with a detailed breakdown on our Total Annual Costs rating and analysis on each component that produces the 8.51% number above.

FORBES: This Fund Is For You If You Love Paying Fees