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" ... Let’s say 5% of this 12% represents the many ministers to the middle class’s savings plans, the 401(k)’s etc. We kill $1 trillion a year so we can save money. This army group of financial planners, retirement specialists, and financial-industry factotums is everywhere, too, every small town, storefront mall, shopping district, downtown, edge city, coverage that would shame a cell-phone plan or a Curves or Subway. And they have to be fairly well compensated (the 1.3% in fees) to have the look, at least, of affluence. Lexuses at the minimum. A financial adviser driving a beater? Unthinkable. ... "
" ... The statistics on administrative staff actually understate the trend. Virtually all self-respecting universities hire consultants for any slightly non-routine matter. Not only do we use consultants when we hire the university president, but also when we hire deans and other factotums. My university’s performing arts series hired a consultant to decide how it could change its program of cultural offerings, on a campus filled with creative people in the arts, theater, business, etc. Administrators hire consultants not only to reduce their workloads, but also to provide employment insurance: if the result is a disaster, administrators blame the consultant for the failure. Somehow a generation ago we did a better than decent job of hiring administrators through advertising and internal search committees. Why not now? Partly, because we are lazy: on my campus hardly anyone worked the day after Thanksgiving, and virtually no one will work between December 24 and January 2–why not? They do in the Real World. ... "