Right, in the hole initially. If you don't crawl out of the hole, you're long-term investment failed either way -- and 1% isn't gonna make or break you, unless

Right, in the hole initially. If you don't crawl out of the hole, you're long-term investment failed either way -- and 1% isn't gonna make or break you, unless you are extremely diversified. If you are extremely diversified, you probably won't be using one of these services anyhow -- you'll be putting in lots of funds to a real platform that gives you rates for large sums of cash.