In the past three years, what we've really seen is a paradime shift in the way our self investors can operate. We now have no fee trading and fractional shares. There's also been this explosion of even more specialty e t f at even lower cost for the d yourself investor. The other thing that i am seeing right now is that certain alternative ascet classes that were not ly viable for do it yourself investors are becoming viable through these e t f form. And if you want to read more about concepts or hear more about that go back to episodes 53 and 55 and 57.