 lots of different stuff involved and it's a personalized plan to fit your needs and your goals and your wants in retirement and i think that that's so great we don't really have like a minimum per se and what we do have maybe as a minimum is not like the other people you know what i mean it's not five hundred thousand it's not anything crazy like that and we're able to just kind of help you and get you where you need to be with these minimums and everything