I really do believe that investors have to have a diversified approach. It will be very tough to pick stocks unless you have a big amount of money in your personal account so you can diversify on your own. So I would think you'd pick the premier technology funds and I'm not trying to sell myself, but I do think that it helps. And I also think that you need to have tech in your portfolio. Tech right now is about 30 percent of the weight of the S&P 500. I think investors are going to put themselves at substantial risk if they get too carried away with some of the companies and have too much in their portfolio. The appropriate weight in your portfolio is 30 percent, which is neutral the benchmark.