Didn't you once say you had used an adviser for a long time?
If so,
1. How can you be so clueless about how mutual fund mers and fees work?
2. Did he/she make more from your investments than you? Happens a lot.
No, not those memories again. It was brutal last year in Greenville. Told the wife give me Alaska in the deep freeze anytime. Don't think the a/c has stopped yet.