Dogbert sits in a chair at a financial planner's office. The planner says, "We can handle your investments so you can retire and live off the earnings." The planners holds a long contract that covers his desk. He says, "Just sign this incomprehensible contract, hand all your money to total strangers and relax!" Dogbert's ears fly up as he looks at the contract. The planners says, "We'll need to know what your tolerance for risk is." Dogbert says, "I think I just maxed out."