if you can, since you threw the phrases around, maybe you can explain what is the difference between the so-called

maple model and, for instance, the Yale model? Well, the Yale model is doing a lot with private markets, which...

Canada, Canadian plans do as well.

Finding inefficiencies there and, and really doubling down on a lot of things.

And then that, that was done by David Swenson and he had the whole book that he wrote.

So you have that, that that's been a thing and it's more for the endowments.

It's great for normal investors.

So I'm wondering, James, if you can tell me what you think the future might hold for the use of alternative investments for ordinary mom and pop investors that might be fairly well-to-do, not multimillionaires, but just, you know, upper middle-class people, professionals, but perhaps professionals who are working with the portfolio manager and as a result are accredited by definition.