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This has created a strong ire against the Congress party. This ire was reflected more spectacularly when Union Minister for Law and Minority Affairs Salman Khurshid, the chief guest at the birth anniversary celebrations of the AMU founder, was not allowed to enter the campus last October.

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An interesting phenomenon of the UP assembly elections 2012 is the emergence of too many small Muslim political outfits, and the unmistakable manifestation of so many layers of stratifications (based on caste/biradri and sect or maslak) within the Muslim communities.

There has been the addition of a vocabulary in the socio political lexicon: Pasmanda (Ajlaf and Arzal/Dalit) Muslims who are trying to articulate their political vision in contrast with the Ashraf (upper caste Muslims).

This movement, however, is not as strong in UP as in adjacent Bihar. There has been a longstanding demand for including Arzal Muslims as scheduled castes.

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An even more interesting phenomenon is the rising political assertion of the Barelwis who claim to be 80 per cent of Sunni Muslims.

Their leader, Maulana Ashraf Kachhochhwi, has been holding rallies articulating their critique of the extremist Wahabbi Islam represented by the Deoband sect.

In Saharanpur district in western UP, there is a 19th century seminary whose anti colonial struggle in alliance with the Congress as well as their repudiation of the Muslim League’s separatist nationalism made them politically the most recognised voice in post Independence India.

This is now being challenged very vociferously by these forces of the clergy associated with the Sufi shrines. They are critical of the Congress for the fact that thus far State patronage has been given out mostly to the Deobandis.

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The Congress, facing tremendous unpopularity on the issues of corruption, inflation, and unemployment, is trying to woo the Muslims by making an announcement which was demanded even by the BJP.

Out of 27% seats of the other backward classes (OBCs), 4.5% has now been earmarked for Pasmanda Muslims.

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And I can’t say I saw much about fees in these prospectus documents. However, I’m sure there was a sentence or two buried in there about fees and commissions, always expressed as a percentage, never as a hard dollar figure or as subtraction from total return.

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Total fees and sales charges were $64.28 for Vanguard, $2,234.35 for Dreyfus and $2,451.63 at Gabelli, the FINRA algorithm revealed. (To be fair, the Vanguard data was current as of Sept. 9, while the Dreyfus data was current as of Sept. 4 and the Gabelli data as of Sept. 5.)

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Certainly, my wife’s advisor gave her suitable investment advice the Dreyfus fund blew out industry indexes last year. But were his choices in her best interest? I don’t know.

FINRA’s analyzer tells me there are no contingent deferred sales charges, whatever those are (remember, I’m just an amateur), no contingent deferred sales charges if held for more than 12 months at Dreyfus, and no contingent deferred sales charges if held for more than 12 months at Gabelli.

Who benefits from those charges, why and in what amounts, I don’t have a clue. Furthermore, there’s nothing in the documents to help me make sense of this again, from the perspective Canada Goose Coats On Sale of a retail client.

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