 You talk about, well, what's the cost? So let's say that an advisor is charging 1%. So there's a couple of different ways to look at that. But let's say that I had a million dollars to invest and an advisor was going to charge me 1% to manage the million dollars. Well, we can do the math. That's $10,000 a year. Well, I mean, that sounds like an awful lot of money because it is an awful lot of money. But