 if your spouse dies you know where are you or her going to get your money from in the event that you now miss an income stream what's the plan for your required minimum distributions and the tax implications of it so yeah i think people really are saying okay this is what i was looking for this is us saying this is what the plan is and it's not set it forget it we're going to review it as you come in throughout the year and there's going to be things in there that we change and there's going to be things in there that we keep but yeah there's definitely a sense of kind of feeling like okay