the broad portfolio, and we are encouraging people to keep documents and notes of why they have the portf, and t objectives and how they are c e comp benchmark and simply just to get a booklet to start writing down the thoughts and recording it. that is the first step. when you sit down this time of the year, look at the booklet and remember why you own the portfolio. >> so it is not a change, you are not advocating a change in the overall portfolio unless the circumstances have changed, but it is kind of revisiting why you made the decisions that you made sam criteria that you used to establish the portfolio is to monitor the portmistakes with t when they deviate from the plan. >> and that is emotional? >> yes, and we are professional and don't have attachment to the emotional. >> this is a good time of be easier for some a investors, and what are some of the things that you should take into consideration? >> we believe that the taxes, a first is the allocation of the and rebalances occasionally, and taxes are important. you can actually look at the average portfolio, and taxable portfol