 returns of that type of allocation it hasn't been all that great and so we like to show people how to do things differently first we do that portfolio x-ray so we can show you the level of risk you're exposed to the diversification or lack thereof and now we can have that conversation how to make improvements to lower the risk and volatility and increase the yields by using things that are in their blind spot that we will educate them about and coordinate it in such a way where they get