 They are algorithmic financial advisors that help you select a group of stocks or RITS. Okay, without even intervention, the program must have been written with human code, right? So personally, it's okay to use them. I would be okay with that. However, take all of them with a grain of salt. It's like some of the things that they introduced in the current education system that introduced that a long time ago, right, where kids fill out forms and they tell them what their optimum career might be, right? So, like in index has mentioned this multiple times as well, where investing is very personal, right? So you can fill out these forms, right? And you do if you ever get a financial advisor or stuff like that, they'll ask you questions, right? So you can fill out these forms and stuff like this and get a sort of a plate of a printout of saying what you should invest in and what are some good things, right? But first thing regarding those, right now we're going through serious changes, right? And some legacy companies that might have a 50-year track record of having a growth rate of 5% or 4% or 3% or 10% with a dividend yield of 2.5%, 4%, 5%, whatever it might be, right? They might have a track record of a 50-year period or 30-year period or 20-year period where they're giving great returns, right? And a lot of these algorithms will base their decisions based on that time frame depending on what you fill out, right? Because what they fill out, what you can fill out is one of the main criteria is your investment idea, short-term, medium- or long-term how old you are, what is your income and all this jazz and they put you into a category, right? So if they say you're looking for long-term investment retirement you want something dependent to rely on the algorithms will look into companies that have been around with a good track record for the last 10, 20, 30 years, right? Now, a lot of those companies right now are under and in the last 10 years or so have been under tremendous amount of pressure because disruptive innovation is coming up. So if you have that idea in mind and you get a printout telling you to invest in these things and you really haven't done the research to realize hey, maybe this is an obsolete company and they're just making the paperwork look nice until they pull the plug, right? Look at Xerox, look at Kodak, right? So it's okay to use as a starting point but it is not okay to rely on automation to save you and invest your money for you. Everyone must appreciate this. Automation is not here to save individuals, okay? To make individuals' lives better. It's here to allow masses to go in a certain direction, right? Now you have to be careful where you're going with that. One of the most horrendous examples you can use are the two plane crashes, the Boeing planes that crashed in the last year, right? In the last year there were two plane crashes that happened with Boeing that killed a lot of people, right? And it's come out that those plane crashes were because of automation, because of a program code that was written for the plane where if certain things happened the plane's automation would put the nose down, right? The plane would be going and all of a sudden plane points down and the nose goes down, they crash, right? And there was supposed to be some kind of option where you could turn that off and whatnot either sold independently as an option, just imagine as an option for a plane to save lives or the pilots would have to be trained to realize that this is what's happening and we have to switch it off or something like this, right? That didn't happen. Automation is not your savior. Automation is a tool that you can use. Really appreciate that. Agreed 100%. Another issue. Robo-advisors add an additional layer of unnecessary commission for the privilege. Oh, so they actually charge you for it too. Hopefully sooner rather than later there'll be programs out there that will be free, right? And I'm pretty sure they have a percentage. So the extra fees are huge. Extra fees are huge. Did you see the new, and by the way these regarding Robo-advisors there might be cheap or not as sophisticated ones that are free to use and if you just need a template to get an idea of where you want to be use the free ones, right? Use the free ones and change a few different parameters on them and get a few different outputs, right? And see which one you like, right? You can always work the system a little bit to save money.