 "Looks like the market's about to take a downturn." |  "I like the value stocks too, but right now we're looking into a more aggressive growth fund." |  "Oh, look! Mr. Peepers just picked the very same mutual funds your investment software did." |  "Perhaps you'd like to buy these magic beans, or this charm that will give you good luck, or this stock that promises a 200% return on your investment in less than 18 months." |