 Basically, you've got way more options, right, Skip? That's the whole point. Hundreds and hundreds of options. When you're a company sponsored plans, you're trapped into the 20 to 50 mutual funds that they offer you. As we talk about week after week, those options stink. The only options that you have in your 401k plan come with high fees and expenses built inside of them. Listen, the custodian for that 401k has to get paid somewhere.