While the first library to offer ebook lending in Japan did so as far
back as 2007, it
seems that the
mistakes US libraries and Japanese libraries made
at the onset went hand in hand.
I have made many investment
mistakes (bought random individual stocks, like Nortel) worked with mutual fund advisors I never heard
back from once they got my money, and some mutual fund advisors who did
seem to have my interests
at heart providing me with financial plans and tweaking my portfolio regularly, but never disclosing the high MERs or even ensuring my investments were balanced across accounts.