OT: Morningstar tells it like it is.
In researching some mutual funds for a co-worker that doesn't feel comfortable in stocks, I ran across the following comment about a fund at Morningstar's web site. I was surprised at their choice of words, although they did make the meaning crystal clear. It happens to be a Dreyfus fund, no less.
This fund is not worth the bellyaches.
The fund only gets one star, but Morningstar gets a full 5 stars for the bellylaugh it gave me.
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Diligence is the mother of good luck.
Ben Franklin (1706-1790)