I speak uh at a lot of different places especially in Las Vegas and if I was a guest in the Bellagio hotel and they said hey Mr Andrew uh in our casino here is a special table for you uh you can play at this table and at the end of the day you can keep 100% of everything you make up to a cap of maybe 12% but if you lose we guarantee you'll walk out of this casino with what you walked in with now I'm not a gambler but I would probably play in that casino what am I talking about indexing with indexing uh when the market goes up I benefit up to maybe a cap but if the market crashes I don't lose I end up uh walking out with what I walked in with.