 But this particular company isn't known for active management of portfolios. So if you just want to hang in their portfolio with Vanguard, you don't need to pay them 1% or whatever the percentage is to do that. You could just cut them out and just call Vanguard. They'll take your money, right? First of all, that's what a fiduciary should tell someone. But second of all, they ran a 10-year average to get to the 13%. And I explained to him that when you take a look at markets, that the 10-year average is no longer long enough.