 i'm sorry i think i think that membership at the golf club and i think uh you know drinking all that good whiskey all these years uh were out of money you see then the company would have went back to the market they would have had to pony up more money but this is on you mark it's on your 401k it's empty and there's nobody else you can go back to to fill it up so that's the biggest difference in a pension and a 401k and folks i want you to remember this a 401k is designed for you to accumulate assets