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There are a lot of webbased products providing advice to folks. Many of whom are people who dont have the Million Dollar nest egg but have a nest egg that is far smaller. And so you know theyre pretty smart people over there. They had a new regulatory environment, and they have been figuring it out. And innovation has emerged. I think folks around here are pretty smart too. Were no less smart than the brits. And i think we can figure it out too. And so you know, the miracle of compound interest is a wonderful miracle. However, the flip side of that, which is not a wonderful miracle, is, that you know, the tragedy of come found fees and costs, can linger, like a chronic illness for a retiree. And when youre talking about 26,000 a year, for this family, do the math. Do the comparison between that and an index fund or some other instrument, that was pretty simple. I think we can do this. I think this is one of the most remarkably important things that we can undertake in the remaining 650

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