the biggest mistake that investors make is not sticking with the plan when the market goes down it turns out David that what you do when the market goes down is far more important than what you do as it’s rising why why because the worst days are followed by the best days when it’s our own money we think it’s math but it’s actually not just because we learn about money in math class doesn’t mean it right it’s math to us it’s actually very emotional and so one of the things that we need to do is help people manage the emotion cuz we do feel the pain of a loss more than the Euphoria of a gain manage that emotion and just keep plotting along paddling along in the markets uh for a long time