Responding to a prior Vanguard that expressed my Vanguard experience, review expresses exactly what I have experienced "over the last two years. Vanguard's website is no longer user friendly and their customer service has gone downhill also. Vanguard is no longer the financial institution that was founded by John Bogel!" My retirement funds ara all in Vanguard and at my age it would be problematic to switch to another financial institution. VOTTOM LINE: Vanguard must be user friendly with customer service by phone and on their website!