Just caught that Morgan Stanley dropped a Bitcoin ETF with a 0.14% fee - apparently the cheapest bitcoin etf on the market right now. They pulled in $100 million in the first week, which is pretty solid for a new launch. The lowest fee bitcoin etf angle is interesting because it shows traditional finance is really competing on price now, not just trying to gatekeep access. A few years ago you'd never see a major bank undercutting fees like this. Makes you wonder if other institutions will have to follow suit or if they're betting on brand loyalty to hold their own products. The whole institutional Bitcoin adoption story keeps getting more interesting. What's your take - is the race to the bottom on fees good for retail investors, or does it signal something else?