ungerman. >> thank you. slide 1 just jumps right into the methodology and level set what we are asked to do is really just to insure that for all the different investments that you're offering to participants by those investment managers, that you are in the lowest cost available vehicle that is daily value, daily traded that that manager offers. so, really it is a proactive step to reach out to those managers because sometimes they come out with new share classes, new vehicles from a mutual fund to cit so want to be thorough in that manner. the other aspect is how the fund fees rank relative to peer groups, so the other type of funds. again, there is no performance looking in, all the performance reports we look at are aul al net of fees, but it is just a different lens. there is no requirement that you offer the cheapest investment product to your participants, because there is certainly a value proposition to be had, but we also want to pay attention. are the fees reasonable relative to the other manufact