Absolutely, physical for sure everyone. I'll tell y a, this has actually been more fun than I've had in a long time. Even if the world goes back to normal, I think collecting physical silver will be my new hobby. I'm a sucker for all the cool designs you can get. I feel like such a sucker for having never figured out what a good idea this is. A couple ounces every paycheck, over years, a person would be much better off than hoping SSI is there for them when they get old.