the new customers can takelo at not only this product, but other consumer products tham j.gan offers. a two-pronged strategy and lastly, it's also a focus on the millennial generation where many of them haven't invested and this is a way for them to test out investing without very high costs to them at all. so it is, in effect, a lure that j.p. morn will then employ to cross-sell products. >> that's right. j.p. morganegy that uses throughout their business. they do it on the corporate side where they'll make a commercial loan to the customer andmever ithey'll hope to sell that customer anal products and if you and i have a credit card with chase manhattan and we'll have other types of consumer products and this is another arrow in the quiver for j.p. morgan. >> if you don't already have the app, i assume it will be added to the app we have that you can use on your computer, b is this the bell being rung that says we're beginning a race to the bottom in terms of fees and charges that will affect all of ethe onl brokerages? >> that's the $64,000 question because wou think back to the 19