[mgkimsal]

And someone will, at some point, point out how 'annoyed' they are at your 'premium feature' fees, when vanguard has much much much lower fees, and most or all of the functionality you'll have developed. or... maybe your plan is to just acquired by vanguard? (I say this not as a vanguard user, but someone who is aware of just how low their fees are relative to most other places, though fidelity is catching up in a lot of areas).