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and here's the thing about people and their growth is as you look back and say you know I made a mistake and and just by the way there are a lot of people in life that will never admit they made a mistake right so but at the same time the first thing I'll do if I make a mistake is say I'm sorry I was wrong at least to my wife and that's what really counts Matt yeah but you know our listeners are probably wondering and hopefully I know I've talked to people this week that have been listing for months now and it's awesome that people are doing that if you're listening for the first time or the 20th time thank you we appreciate it we couldn't do it without you but people need to learn from their mistakes and so just because you've been doing something one way for a long time doesn't mean it's the right way right so if you're dealing with just a normal financial advisor stock broker if you will that was kind of the old term and now it's financial advisor you know who's not a fiduciary the...