so let me come back to jack bogel. so he started vanguard funds and, you know, like anybody in the asset management industry, saw quickly hardly any actively-managed funds ever outperform the market. it's just, you know, once in a blue moon does it happen. and yet because most of us are in 401(k)s, companies that we work for, asset management, by the way, is the fastest growing part of the financial industry. so we spend a lot of time in this country talking about too big to fail banks, but the action actually is in asset management. that's where a lot of financial business is going. it's where the largest pool of money is. so bogel, who's a big believer in, you know, you put your money in an index fund and forget about it until you're 65 or 70 or whenever you need it, started crunching numbers and found that for the average person who is, has their retirement egg in an actively-managed set of funds, pays those higher-than-average fees and then deals with the lower-than-average returns, that will eat up between 30-60%