do you know john vogel personally told me, jim, i want you to put in your 401(k), i want it to be ins what i did. and why did he want me to do it? he said over the long-term, you'll get a little bit better performance because you'll be diversified away from the s&p and end up picking some really good young growth stocks. >> that's exactly the difference. s&p 500, that's going to be more of the large caps while total stock is the mid caps, some of the smaller caps as well. i think if you look over the long run, the returns, there is not much of a difference between the two. >> i didn't find it either. but the father of the index fund is john as you know. and jack said jim, this total stock market term will beat it. there was a very long period where it did. but it's really kind of -- any way, i'm doing it out of homage to the late john vogel who was an amazing guy. let's go to miles in new york who asks what are your stages in cutting bait? i'm assuming cutting bait means selling. 20% a little sell. we've been very i like to say diligent about letting our great stocks run and cutting