 to include uh crashes in the market the last crash we had basically started at the end of 07 ended at the beginning of 09 right um so i said here's what i'm going to do i'll i'll i'll do an analysis of this for you let's look at the exact same portfolio from 2000 and end of 2007 until now not from you know 2014 until now and turns out oh now well now the average rate of return six and a half percent it's not 13 right anymore so you know basically my advice was well listen