I think it is big brother. It's the government looking over our shoulders saying you can do this and you can't. Of course if you have a bunch of money you're sophisticated. If you don't you're not. But that's the rules we're playing with. So let's consider what the choices are there. We got I don't know maybe 8,000 mutual fund that are out there. And the vast majority of them are trying to beat the market. 96% of them fail to do so over any long period of time. They're praying on the ignorance of individual investors who don't realize that they're being charged these mutual fund fees.