* There is no Bill O’Shaughnessey; he is a construct based on several dozen internals I have dealt with over the years. And I don’t mean to pick on Fidelity here; the guys at the Fidelity Advisor Funds were absolutely fantastic to work with during my brokerage days. In fact, I didn’t write this chapter to go after any fund company in particular. All the funds use similar sales tactics for the broker channel, and most of their people tend to be hardworking and smart.