 um or like farm workers or to have or to be self-employed and a lot of them don't get like w-2s their jobs aren't formalized and a lot of those folks you just can't really rig up an individual retirement account for them and then because it's a free country you can choose not to be in this program if there were a mandatory auto enrollment i shouldn't say mandatory you could you can opt out right and lots and lots of people would because they would say i can't afford this i've got to feed my family you know i've got to pay my rent