"That's how [the author regards] disclosures of conflicts of interest made by many providers of financial services. You know, those providers with yawning conflicts that they seek to paper over with a (relatively) few confusing words of disclosure. Their attempts to bridge with disclosures the unbridgeable -- vast inherent conflicts in their business models -- beg the question whether the unbridgeable should ever be allowed anywhere near retirement plans and their participants in the first place."