Following the 2008 crash, several shifts in attitude in several ways. Which of these is not one discussed in the text? Advisors have increasingly targeted the upper end of the affluent range and the lower end of the "high-net- worth range Increasing pressure on fees and expenses as increasingly self-reliant clients have access to relative performance data and lower cost alternatives such as index funds and exchange-traded funds (ETFs) Individual investors are more experienced and their attitude has shifted toward "do it with me" as investors hold advisors more accountable with the relationship between advisor and client becoming more symbiotic