Don't have a lot of time to devote this one, really posting a concern directly here as CS doesn't typically reply. For younger folks, without the experience of working a long career with finances, or related fields it's understandable some will justify money spent based only on their own experience, giving a limited view perhaps. More experienced will tend to take a closer look, when you get concerned is when you don't get a response at all, or if you do, the math doesn't make sense. Long-winded way of saying GL's are more expensive than they should be, CG needs to take a closer look at this, of they don't that is a strategic mistake.