1. What is it about investing that Mansueto discovered is so confusing for the average investor? Many individuals find stocks and bonds to be confusing, but Joe Mansueto has begun to change that by making invest- ing easier to understand. In 1984, Man- sueto founded Morningstar, Inc., which provides independent investment research to individuals, financial advisers, and institutional advisers. The compa- ny's top asset is that it is independent and its assessments are based on impartial research. Although it works with advisers, its main focus is on individuals. From the begin- ning, Mansueto, a former stock analyst, aimed to take the chaos of the investment world and create tools that would help individuals make sense of it. With so much investment information and opportunities available, it is easy for the average person to feel lost.