 Yes, we have expenses, we have overhead, we do radio shows, we have offices, we have employees, we have financial planners, we've got all that stuff. But as long as we can demonstrate that you're better off with us than without us, then it makes sense to work together. What you don't wanna have happen is, I had a conversation with a very nice couple here just recently, and her question was, basically, how does this work? How am I better off? I was like, well, you're only better off