 I don't own any individual stocks, I buy ETFs. I like the idea that I now have a fourth generation of ETF product where you take the best of active management and the best of the liquidity and transparency and tax efficiency of ETFs. I only own ETFs in my equity portfolio now and it's worked for me, it's a great way to play because I don't have to take single stock risk. How has the response been from your fund and the millennial audience? Because we know millennials have been slow to come to the stock market. Well actually people between the ages of 18 and 35 should be looking at investing and so when we look at who is coming in that are new investors for us, it is that age group and they're doing it all very efficiently online, in most cases. So that's about a third of our investors, another third would be high net worth individuals that are running family offices and then a third is institutional. So we work with all those markets.