“One problem is it’s going to take time,” Stein cautioned. “Particularly, this lawsuit is going to have to take a lot of time to be successful. And the one thing about elderly people that live on a pension is it’s not really a satisfactory answer to say, ‘We think there’s a pretty good chance that after two to three years of litigation, we’ll be able to get some of your money back.’ That, in itself, is a real problem for somebody living on a fixed income. Even if that materializes and, of course, nobody knows (if) these lawsuits are going to succeed or not.”