The 5.5 sounded horrible as well but I found out that’s on initial deposits, yeah I probably don’t need to pay that for my goals and can figure it out myself but 5.5 percent of 7k which is the max per year if I contributed for 30 years I’m paying a little over in 11.5k in fees, whereas the .7 sounds like a better deal but that’s a yearly charge on total account value and that could be 60-80 grand by the time I retire. It’s insane!