Schwab wouldn't be trying to distribute to the retail investor, now would they? <G> <a href="http://finance.yahoo.com/tech-ticker/article/243134/Rally-Is-Real-Shift-to-%22Riskier%22-Stocks-Will-Continue-Schwab's-Davis-Says?tickers=JPM,MWV,MSFT,BAX,PFE,ESRX,SCHW?sec=topStories&pos=8&asset=&ccode=" rel="nofollow" target="_blank">http://finance.yahoo.com/tech-ticker/article/243134/Rally-Is-Real-Shift-to-%22Riskier%22-Stocks-Will-Continue-Schwab's-Davis-Says?tickers=JPM,MWV,MSFT,BAX,PFE,ESRX,SCHW?sec=topStories&pos=8&asset=&ccode=</a> <a href="http://finance.yahoo.com/tech-ticker/article/242971/March-Lows-a-%22Textbook-Bottom%22-Buy-the-Dips-Says-Schwab-Funds-CIO;_ylt=AmwGw7duoDBY7z.VHCanReu7YWsA?tickers=SCHW,SPY,DIA,%5EDJI,%5EGSPC,%5EDWC,%5ERUT?sec=topStories&pos=9&asset=&ccode=" rel="nofollow" target="_blank">http://finance.yahoo.com/tech-ticker/article/242971/March-Lows-a-%22Textbook-Bottom%22-Buy-the-Dips-Says-Schwab-Funds-CIO;_ylt=AmwGw7duoDBY7z.VHCanReu7YWsA?tickers=SCHW,SPY,DIA,%5EDJI,%5EGSPC,%5EDWC,%5ERUT?sec=topStories&pos=9&asset=&ccode=</a>