There's still even to this day financial advisors are recommending like insurance products that they're getting kickbacks for and you just think how like there really needs to be a decoupling of the advice to the product in the industry. I feel sometimes that it's a bit of both and some people have the best intentions but subconsciously they're recommending a product because they're getting a kickback from it. People will trust the messenger if they trust the message on our podcast. There is an enormous amount of history that Ben and I have received over the journey where people have said listen as you said I've listened to the first 20 I used it as the guiding principles to go and do it myself