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yoram how regulated is the multi asset industry when it comes to advisors 2008 was a watermark and since then the asset management industry and the financial services industry in general havent been the same in the UK for example on the retail space we we had the retail distribution review RDR a couple of years ago which changed the way I face and wealth managers or anyone who gives advice in the little space needs to behave for example people must be much more qualified and disclosures much more onerous the asset management industry you have you seeds from Europe has become much more popular in the UK so many more fans need to comply with use its regulations and we have more regulations coming up from the EU unless we do it breaks it and we part our ways then in the institutional space for banks you have buzzer tree for insurance companies you have used solvency too so theres a lot of pressure on the margin of asset managers I think yeah there are a lot of positives to that but on