 if you jump on and off the roller coaster that's who gets hurt ride the dadgum ride and you'll be okay these people you know and you need somebody to talk when you're early in the game emotionally you need someone to talk you off the ledge and so it's worth every penny and generally they they earn their one percent other ways as well so um you know it's it's not a bad plan what's the fiduciary responsibility what is that what's that shift