 one or two percent decline the exchange traded fund you can go on the market and buy uh that exposure in the market when the market's down and so that's one of the reasons josh and i use them is we like that they trade throughout the day we can get liquidity throughout the day in client portfolios and our own portfolios is that liquidity throughout the day like it trades like a stock um the other sort of different key differences is in most cases especially when you're talking about uh buying an index