i think we're going to see exactly the same thing in finance. Everybody who knows the old systems, and especially guys our age, will insist that it can never change. And then a bunch of young kids are going to re invent the world out from under them. The difference is i do not have time or ability to create a commercial uro dollar system. If you would say anything at least as big as what jeff snyder had to say about the commercial urodollar system, jim bianco head is your friend. I don't have time to do three good seasons on this podcast. Nwy, i'm sorry  we've only barely scratched the surface