Is There a Slippage Between the Model Portfolio and the Actual Return?

The investors are at far better place compared to what they were when this small case was not there absolutely and I also think you're it's a little unfair to ask you about costs because the costs could be spread across various things like for instance we were talking about this just labor done there is an STT it's a cost to the customer but if you invest in in a mutual fund the mutual fund pays STT but does not report that STT as a cost in total expense ratio. So therefore your expense ratio sounds like 0.01% 0.05% but those ratios are not true it's actually 0.25% 0.3% which we can see in the difference in returns