 That's a perfect example of where not even a hidden fee, like no fee, but a misdirection is having a much bigger impact than paying a small fee and not having 15% of your money uninvested. Most of what you're paying is unseen. The reality is the biggest fees and expenses aren't even available to quantify. Like making a bad move during COVID and moving to cash when the market's dropped 30%. Or going all in on, you know, late on stay-at-home stocks like Zoom and Peloton and then watching them drop 90%.