One of the main things that we, as financial advisors, need to be sure to clarify, is that there are no guarantees in our business.  Past history is not a way to predict future results.  A lot of times we can look at the performance of a particular investment and have an idea of what might happen, but there is no promise that it will perform that way.  On top of this discussion, we also email, or hand deliver, our compliance piece that goes over what we have told them about investing.