evidently.... and no what you wrote doesn't explain anything. Where is the money? Frankly, I am not sure this is legal, but I was watching American Greed on my commuter flight home last night, so perhaps I am springloaded to looking for scams.

I think this thing is a pretty decent deal all in all, but, I don't like the fact that I got a lot of hemmin' and hawin' and no real explanation as to where/how the money is invested.. and that was from the Fidelity people.

​​​​​​​I'm actually somewhat amazed that so many are so accepting of the fact that their money is held somewhere... by somebody.. and you have no clue as to any of the particulars.