 John Q. Public gets is more like the crumbs that go on the floor that the dog occasionally scrounges for during Thanksgiving dinner. Yeah, I mean, you're hitting it right on the head from an investment standpoint. So I'm going to give you kind of a tidbit that we look at when we start putting portfolios together with a client. And folks, there's no right or wrong product. Well, there's a couple out there I think stink and shouldn't be used.