Challenges to invest

This morning I got an e-mail from TIAA-CREF (Teachers Insurance and Annuity Association-College Retirement Equities Fund) encouraging me to invest more. I've already forgotten the reason. There were so many footnotes clarifying it, they outnumbered the sentences in the message. The "barrister" from Nigeria and the princess wife of the prisoner in Suckerstan who are offering me millions if I just help a little are starting to look more interesting, don't you think?