text:  before we go you know there are some drawbacks to traditional like you know employer retirement plans but there are also a lot of benefits and you know coming from that space you used to work heavily in that space mark maybe you can kind of talk to some of those because for all the criticisms about 401ks and you know some people don't really like the system and it's limited limits choices there are some benefits too that people have to those plans that exist at the place that they work do you mind running through a few of them for me