mr. coker. >> in terms of the variability between resources and executed in our strategic plan. >> i know behind the curve in terms of timing and how far behind are we? eight months, 24? >> formally 12 months and internal discussions began in april of 19. and there was a short fall of resources to execute on our investment strategy and we either needed to change strategy and resources and change the resources to fit the strategy. those begin internally in april of 19 and went to executive director with what led to the centraling stra teejic plan last january, 2020. for you, mr. hallmark, we looked at a variety of different asset mixes to prove the asset allocation. some of the mixes had lower expected returns. and other mixes and 7-3 and with one of the other mixes. do you think your recommendation might be different or would you -- would it still be reasonable to stay at 7-4? it would be pushing us harder to go to 7.3. can you help with the guardrails on there? >> if the asset allocation was e