So what's a practical way that an investor could kind of choose what ETFs to put in their portfolio?

So again, to your point about first and foremost, making sure that you have a plan, that you, you know, it's because again, when you construct portfolio, you need to think about your time horizon.

So I know people often say, you know, talk about investment, financial advice or investment advice.

But I think it's very important just because if you're looking to buy a house next year, your choice of ETFs will be very different to someone who's, looking to invest for retirement in 50 years.

But I think a great way of, once you know, I would start with just understanding what is your growth assets and income assets split.

So how many equities and risky assets you want to have and how many of the defensive assets you want to have.

And I think where ETFs work great is that you can then use them as building blocks.

I probably wouldn't describe the ETFs as passive because it's still an active decision about, you know, what theme you're investing into or what part of the market you're investing