Erm and people will take on board different methods of being probed, some will respond to audio probes, some will re respond to some visual stimulation er conceptualize er ideas you know the ones we looked at last week like the old PEGGY symbols and erm the cheque book, PHI and life assurance, the ten percent rule and there is one another which we can look at, another mnemonic  called er erm  some of you may have come across it before, others may not  and is hey  so Mr Prospect if you hadn't made an adequate retirement plan, what financial problems do you think you or family could have?