 you know, ETFs are, you definitely should be considering an ETF. Are going to be more tax efficient. Yeah. To be very clear, that should not be the only concern you have when choosing an investment. It should be a consideration. For sure. Yeah. All right. So we left out one of the most important ones that we get, we talk about all the time with clients, or IRAs, 401ks, Donna. How are these taxed for individuals? If they are traditional, you put pre-tax dollars in there that grew tax deferred with the understanding that you would be