People make mistakes all the time. The real question is, who should help them? And now, in the cases we mentioned so far, which i think we actually pretty much agree on, we've talked about private help. If i work for a company that has lots of paternalistic attributes, discounts for the health care club in the fitness club in the company, or ah the option in the company cavater. This will only be a small change. Let's turn to the research did on the swedish social security privatization. Very interesting. We understand that there's a certain wis to an arranged marriage. But there's a wisdom to it. That's a voluntary choice to get