 right so this is the thing like why if you had a national program where everybody was automatically put in retirement why wouldn't it make a hundred percent of us save well here's the answer the low-income folks are much more likely to be gig workers um or like farm workers or to have or to be self-employed and a lot of them don't get like w-2 their jobs aren't formalized and a lot of those folks you just can't really rig up an individual retirement account for them