 uh... seminar that's coming up at the social security or anything else again it's about uh... educating you as you move to and through but the most important thing is to have a plan and work with professionals that do this on a daily basis so you can avoid a lot of this turbulence we talk about when it comes to retirement planning because there's a lot of it out there and how are you going to maneuver through it all right next uh... scenario your thoughts on using brokered cds in a laddered strategy