We knew that by aligning our incentives with our customers, without compromise, we could build something truly significant. With that in mind, we set out to deliver sophisticated financial products and advice to everyone. We knew that the way to build a better solution was through the use of smarter technology. We built an experience that replaced confusion with delight, and uncertainty with control. We’re aiming to bring back the feeling of defined benefits, and the financial peace of mind that goes with it. We envision a world where you can be confident of reaching your goals, whatever they may be. But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?"