 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 if you're doing better with us than without. If you were averaging 8% and then I came in and I got you 8% but then charged you 1%, now you're averaging 7% with me. You might as well just do it on your own. Nobody wants to give that.