Barry Ritholtz

You, your employer and your plan's investment managers fail to follow even the most basic rules of investing. You overtrade, chase performance, do not think long term. All of you - All Of You - have done a horrible job managing your retirement plans.

What do cells do when they see a broken piece of DNA? Cells don't like such breaks. They'll do pretty much anything they can to fix things up. If a chromosome is broken, the cells will repair the break using an intact chromosome.