 contribution of eight thousand dollars and three months later it would have been worth about fifty five hundred fifty two hundred okay how would you feel about that whereas if you were doing dollar cost averaging and putting that eight thousand dollars in over the seven or eight thousand dollars in over the course of the 12 months yeah you would smooth that out you wouldn't take that 30 percent hit and then have to wait for the markets to get to all-time highs again before you make a penny