ETFs are going to displace mutual funds as the primary vehicle for most people to invest through because they're more efficient and easier to transport from brokerage to brokerage. That process is going to take a little longer with respect to things like 401Ks because those are really set up only to handle things like mutual funds, not ETFs unless you open up some kind of self-directed brokerage aspect. If you have one of those in your 401K, what this means is that we're going to have more and better choices to make as do-it-yourself investors in terms of diversification.