This is really informative--thanks for breaking it down like this. So if I'm largely a buy-and-hold kind of guy with my investments, there's not much to worry

This is really informative--thanks for breaking it down like this. So if I'm largely a buy-and-hold kind of guy with my investments, there's not much to worry about from these practices then it sounds like. I do still worry what the risk is for buy-and-hold investors flocking to index funds as that seems like it is ripe for a problem of some sort, but given the nature of what an index fund is, I'm having trouble identifying how that could be a big issue.