Sure it does. I said the average return was 5.2%. If you very carefully choose a time period that ends in the middle of the Great Recession, you can quote numbers like 1.9%. But that's some extreme cherrypicking - like saying mass transit in New York City is a complete failure and waste of money by looking at its operation between October 28 and November 2, 2012. It is also worthwhile to note that in the absolute worst time period you could find - investors STILL made 1.9%. You say these things and I get the strong feeling you have never invested before. If you have, you are working very hard to sound ignorant. No, we're not. We are talking about investors, who are people who invest. Not people who can't invest.