When i was nger, i was a real proselytizer and factor investing is the future. And i can be excused my youthful ignorance. There literally is no one sized fitzall in terms of if you're going to be a differentiated investor. If you want to buy a global e t f and just keep putting your foron k money or r s p money into that, find that type of person. Most of the greatest insights i've gotten into the market has been reading outside finance. So i was doing deep dives on evolutionary psychology, biology, genetic behaviorism. That allows you to take a much broader look at the market.