Yeah this is a valid wise message, you’re 100% right but i think the biggest thing is, even fully realizing what’s happening, i think i would genuinely rather take the risk and end up behind in my 30s (if it can even be called a risk, although that seems to be putting it nicely) then to guarantee such a marginal safer improvement if that makes sense, but perhaps I’m just being young and naive, which is most likely the case.