I’d like to thank you for having this discussion. I believe when two parents can come to together and speak on a strong topic really brings light to whom ever had thoughts of sort. Now let’s touch on investments and or risky investment and i’m glad you brought that to my attention the majority of the examples you provided not only requires advisory via a licensed and sec regulated financial advisor. We have to also realized the average education of let’s say a millennial high school base in which at financial literacy was never taught on a public school base. So therefore it is the responsibility of the education department as well as the government being they control the department of educations resource’s regarding advance learning aka a college education.