same here, it's totally irrelevant in most people's minds.

many think they know what it is when they really don't. unless there's a seismic shift due to a financial catastrophy or other major financial event, I don't see this mainstream perception changing so easily

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Wholeheartedly agree. It won't be until people are forced to or it ends up in their retirement account and they don't even know it via Blackrock & others. You can lead a horse to water but can't make it drink.