Polypant: Financial media is not a regulated industry. There are no license requirements, there are no mandatory credentials. Never use the financial media as a substitute for actual professional advice. Polypant: Insurance frustrates me because so many people use shorthand in an area where we could do a much better job. And then after her question, we're going to dive into the weeds with the question from mat about the efficient frontier and the sharp ratio stick around that's mustier in radio.

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