This is becoming outrageous. No chance of following their actions. At least they could ask beforehand if we agree to such and such option. Maybe there are out some special ''lucky'' ones, that not get ripped off? Don't know where is the safest option now and even worst I fear it is the political elite being lobbied by financiers. The little clerks in the industry are not the cause but merely earn their decent wages from ''losses'' and ''inflation'' from our pension funds and investments. That's the system. Never enough. No responsibility and always someone else is wrong, not them. Why can't be straight? Being straight nowadays does not pay off? We can call it a scam though its apparently not in the legal meaning. Some pretend to be more clever than others. Even if this would be brought before the judge, they would find a clerk to be the culprit.