It seems that back around '03 my employer at the time, Wells Fargo, was directing employee 401K contributions into under-performing mutual funds which they managed. Thus Wells Fargo employee's retirement nest eggs were starved of the sound investment strategies they needed to grow at an optimal rate. Or, so I glean from a complex legal letter I can't be bothered to fully read. I knew nothing of this at the time. But when I first heard suggestion of it... well, I did nothing.
So tomorrow I will spend this undeserved windfall on a toast to the generosity of greed. A round on me at the Elephant and Castle on King! (Provided no more than 3 people show up, as I should save some for the tip).