 Jay Dotty Chicho, if BRICS does happen, do you think it's going to fuck 401Ks in your retirement investment year? Gain Jay Dotty, do not, do not, under any circumstances, depend on your 401K to see you into retirement and beyond. Okay, do not, do not, depend on money managers to have, have your best interest in mind or to have enough funds built up to see you pass your retirement into your demise, I guess, if we want to call it, right? Do not, depend on your 401K, whatever company you're invested in, government or whatnot, you have to become proactive, it's, it's time consuming, it's stressful, but it's something that you need to do, it's something that you need to do, just some advice, just some advice.