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Employers can do. Its critical whatever ideas come out need to be extremely appropriate for Small Businesses. Because for hispanics, were we are more likely to work for smawses Small Businesses that have less than 100 employees. They are less likely to offer a retirement plan. Thats because the industry has not offered products that are relevant to small employers who have lowincome workers. So we need new why why the ideas. Its important make sure that businesses not be burdened financially or with liabilities and so on and so forth. They will do this. But, i mean, i think people have a moral responsibility to try to help improve the Retirement Security situation of all workers in the country. I want to point out the automatic ira also does not employers cannot provide a match. And there is a i know certainly in the president s proposal and others theres an enhanced employer startup tax credit. I think were out of time. So thank you. Thank you very much. Im going call david. You can c

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