decision to terminate the plan as opposed to fiduciary decisions which are selecting and uponner toking thement. selecting and monitoring service providers ard payments and planned fees and expenses and timely delivery of benefits. account monitoring is mentioned as a fiduciary action because that goes to the duty of prudence in making sure that the person selected or investment selected are always good for the plan and not become poor for the plan without your basically camping it. the monitoring is important. that is essentially part one of the presentation. i think part two will be a little bit lorng, but i wanted to lay the framework for part two which will be presented at another time. any questions? >> madam vice chair. >> thank you. thank you for the presentation. i have a question on how to engage a good fiduciary. let's start there, how do you pronounce the word? >> i've heard it both bay ways. >> so how do you gauge good fiduciary behavior if there is an absence of good, unbiased information? >> well, i think one of the duties would be if you don't have the expertise to make the decis