 not telling clients, hey, don't worry, the market's down 20 or 30%, eventually it'll come back. People don't want to hear that in retirement because they're pulling money out of their accounts. But it also means an advisor has to provide value. So as a true fiduciary, an advisor should be able to show you a higher rate of return than you can do on your own net of fees. If they can't do that, and not just in one week or one year, but over a period of time, better than you can do on your own net of fees. If they can't do that, there's no reason to hire them.