like a 401k dozen flight testing in the two funds with these money purchase plan or something like thatso mind is the elimination altogether let's assume they're gonna stick around because companies have a vested interest in to having that interested by your company stock when it's a private company called the you reform? it becomes very intricate as far as enforcement but another idea would be the cap the amount of stock in any plan can have. and the amount of company stock in any plan to have in it 10% of each participant's about you or possibly even 20 percent. that becomes a monitoring problem because as the stock fluctuates in value you have to keep an eye on that. and transparency becomes the issue. precisely so the easier solution is to just say no company stock and retirement plans everything has to be diversified. certainly best the idea that we appreciate thank you so much john anderson along with us professor of the university of illinois school of law. and as we continue to see drops in oil and the overall stock market we will take a look at both in chart talk next. welcome ba