Well I think I, I mean I do agree and I think that the that er that pressure is now getting on to these, these  city institutions, but erm, but I  still come back  to the basic thing that, that really, you know what appears to me is happening is we've we're having literally millions of pounds taken out in, in issuing these massive  massive writs you know, a hundred and seventy eight page writs are sort of being  and really the money for those is coming out of the remaining money in our pension funds and really I feel that what wou what is happening is this, as far as I'm concerned, is all due to the self-regulatory body being set under the Financial Services Act, and in a way I feel that you know we're being made to pay for sorting out a mess that somebody else is making.