<prompt> Human: Vanguard cut expense ratios today! Institutional VITSX: a half basis point to 0.035. Admiral VTSAX: one basis point to 0.04. ETF VTI: one basis point to 0.04. Investor VTSMX: one basis point to 0.15. Admiral Shares VFIAX: one basis point to 0.04. ETF VOO: one basis point to 0.04. Investor VFINX: two basis points to 0.14. Institutional Plus VBMPX: one basis point decline to 0.03. Institutional VBTIX: one basis point to 0.04. Admiral VBTLX: one basis point to 0.05. ETF BND: one basis point to 0.05. Investor VBMFX: one basis point to 0.15.  <response>: This is a reactive move to compete with Schwab funds. Good for all retail investors no matter how you look at it. More of your money working for you and not the fund company 