 thank you for the call scott but i mean you bring up something that's very important um and that is because this came up the last few years when vanguard you know pushed everybody to either be online or pay for it and people got mad right that's not fair it it isn't it isn't it is the reality is what you just said you everybody's got to learn to do this that it's just the way that the world's working and the fact is it's just getting easier