 I think a lot of people avoid investing for the wrong reasons. And often it's because they're fearful, that it looks complicated, it looks, what if I get it wrong? So there's a real, for many people, a huge emotional burden to getting invested. And I would say for most people, the biggest behavioral cost, most reliable, reliable behavioral cost to investing is actually not what they do when they invest. We can solve some of that with the investing rules and investing constitution. But the biggest cost for most people is they leave too much of their available savings doing nothing in a bank account year after year after year. And that is enormously costly because even if I take that person and I put them in a completely tediously boring, moderate risk, passive, ETF, asset allocation that's blind sell, no engagement whatsoever. Over time, that moderate risk portfolio should be expected to earn above what you would get in a bank account roughly in the region of four to 5% per year. If I'm leaving four to 5% per year on the sidelines because I'm emotionally uncomfortable is a phenomenally expensive way of getting to sleep better at night.