 Well, if you're with me, the money that's staying in the market will be divvied up in between 12 to 16 different ETFs. Now, there's your diversification, and none of them are going to be overlapping. They're all going to be different sectors. Most people in their 401ks, they'll pick five mutual funds, and they're all invested in the same thing. Yeah, and if he's got three or four of those laying around, they probably all have the same things.