THE majority of people who invested in BNI Securities mutual funds feel that they have been cheated. Hurrial Ilyas, who is now retired from the state oil & gas company Pertamina, admits not having received clear information when he invested his Rp230 million retirement pay, two years ago. At the beginning, he only wanted to deposit his money. Why werent we told when the net asset value began to decrease? Was the bank prepared to cover the costs i