Another mistake I see is a lot of the lower net worth guys seem to be doing the private money lending. And it’s completely opposite the people with the lower net worth need to be going after equity deals, let the guys at two $3 million net worth in their Roth IRAs or their self directed IRAs, do the private money lending at high single digits, those guys don’t really need to grow their money. And hopefully they’re working with people they know like or trust. But the people who go to the local Ria or these newbie groups or the people investing in or what I say kind of suckered into these deals as private money lending, when really they should just be going into private placements and actually good deals out there. But again, you know, that requires a good network and to be a little bit more experience.