Is this first of all I'm just going to ask one macro question to start. Lee is this a good thing for retail investors to be able to access private investments in their 401k plans potentially. Right.Um and so I hedge the answer only in that if we're talking about it being in target date funds or target risk funds then absolutely I think it's a good thing for investors. Uh but on a standalone basis that would give me reason for concern. Why on target date funds versus just regular type investments does it hav ...