 said and so when you have somebody coming in and they're new to Altmyer Financial and they're like hey Dave I'm 59 and a half let's go let's get this thing rolling first of all great that they want to start talking about their retirement but B let's hold the horses before we've kind of put the plan together right yeah and we do a lot of these and the reality is with most 401ks you have to call in and request the money and