wells front was the first ones to do this, i would say, you know, betterman is probably still a goodr the first-time investor. they're very digital first, they've got some good tools there. you've got a more complicated situation, interestingly, we would go and suggest vanguard because of their mix of live and digital. and wells front too, it's still a pretty important player, and they've done a lot around planning for multiple goals like buying a home and retirement, and they're also offering a new tool that lets you split your paycheck because, by the way, these guys are involved in banking too. so you can split your paycheck into different buckets like bills, savings and retirement. jack: one important point, alex are, when you referenced the performance of the portfolios, of course, one can make a smart portfolio allocation that doesn't do as well as someone else's just because you were diversified in something that didn't perform well. foreign stocks haven't done great, but over the previous ten years everyone who was in foreign stocks was very happy about it because the s&p was