yeah well they just they seem to make it so easy to save you know one of the things that we're doing which is probably the worst investment in the world but i've got money coming out  to buy savings bonds just coming straight out of my check and it's probably not a great investment but if i wasn't doing that the money wouldn't be being saved anyway you know i kind of have to trade off you know if you never see it you don't spend it so  and it's