and everything we do in hilife, when we're younger, we learn lessons. go u. i think nobody ever wants to lose money, but when you're younger you learn lessons. be it from college or a trade school and in this case, many are paying for in the market >> what are you sighieeing at ty works? fewer people trading? fewer accounts or are those numbers up? give us anecdotal evidence about what's happening to the retail investor right now >> i know you had this discussion the other morning i happened to catch it the other morning when i was driving in. has the pace slowed? there's no doubt about it. so i would say across the board, retail has definitely slowed down >> slowed down meaning the number of accounts meaning how much they're trading on an average day? >> the pace of accounts coming in the amount of people who are trading every single day has slowed down. it has not stopped by any stretch of the imagination and when i look at what we're doing now, compared to where we were 2019 pre-pandemic, we're still at higher levels you look at the volumes across th