btw ..it is easy to forget that some of these fin platform didnt have the advantage of internet when they revolutionized finance for the common person .. eg Vanguard ( Jack Bogle) was pioneer of index investing .. a super low cost investing strategy better than most high cost managed funds .. VTSAX is still the lowest cost and broadest index fund .. .. Blackrock with iShares innovated on ETFs .. first time people could trade commodities and baskets of stocks like a security ... So .. it is easy to forget innovations of past just becaues we have better tools now ..