 not really hidden because they're in in the prospectus the problem is you get a prospectus sometimes they're over 100 pages a bunch of legalese and as much as is everybody encourages their clients to read those let's face it most people aren't going to read it you know just like you know even though i'm in the industry you know i'm not going to read my automobile insurance policy or my homeowner's policy and the agent says i should but my head will explode i can't do it