 you know, let's not be giving the government half our money and let's not be taking big risk with a self managed account. That would be the two tune ups or answers to the, what we think we're hearing in your situation. And good question. I mean, we appreciate you joining us. The good news is, is what she said is right. If you do follow this stuff, you'll be a baby steps millionaire. It works every time, every time. And you know, her family situation has changed during that decade.