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Hi Roger, Please elaborate on the more comprehensive comment. We have all you mentioned and more without those excessive AUM fees. We don't outsource core functionality. Captain401k is not a recordkeeper. Your pricing structure also does not account for small businesses and completely disregards the detrimental costs to the plan participants. I'm not trying to pick a fight here, I understand how hard this problem is and the more people focused on it the better. I just wanted to clear up the inaccuracies.