id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3709	Cain, Michael M.	Letter to the Editor	1992	2	.pdf	application/pdf	837	45	59	My world is one of constantly shifting laws (10 major tax acts in the last 15 years), perennially evolving financial products, volatile economic conditions, abys- mally basic levels of consumer sophistication, and shrinking compensation patterns. It is easy to refer to optimal product allocations, but the reason those selections are not made by formula on a daily basis is that the “optimum” is different for every individual, and what is optimal today is never optimal tomorrow.	cache/fsr-3709.pdf	txt/fsr-3709.txt