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spec: Program fees and expenses are an obvious consideration , as they will directly impact your return . Institutional investors have long been able to trade after the market , but it 's only been about five years since individuals got the right . The driving forces for this are clear . Later , the Finnish public got to know the place through movies and television , while a lot young Finnish individuals got a touch of the American way of life through student exchange schemes . I recall some weeks ago reading a thread where an individual got pissed because a follow-up poster used the " wrong " name . Though slaves were no part of the commonwealth , it was in the free states that slaves were first felt to have rights as human beings .