Just curious how you came up with 7%? I was always taught to expect the yearly return to be 4%

The best way I’ve been able to explain it is to put it in terms of email domains. If I am on gmail, and I can still interact with someone using outlook. But instead of email, it is essentially reddit, youtube, etc.

ferrets too!

AFAIK you can see the same comments across all instances. I think of it like email, a person can send an email from @hotmail.com to @gmail.com, and they choose which domain to sign up with. It all has the same underlying foundation, so both websites can communicate.