Don't think so, inet. We ("and others") just "got it" a little earlier than you and the other poor folk who still think all's okay in loch/cdexville.
But then you didn't want to open your eyes wide enough to investigate a Roth so how could you be expected to do anything comparable with one of your "investments" -- you're perfectly happy believing all is just as it should be, your mind's made up on both, and far be it from anyone to confuse you with facts.
Some might call your approach to your cdex "investment" symptomatic of a dreamer's mentality. Others might call it terminal mental torpor. (Look it up.)
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