 In other words, client comes in, we chit-chat for a few minutes, we pass out the complimentary swag. And then before you can make any kind of recommendation, the client wants to have a conversation about, listen, where are we? Where are we as a country? Where are we in the economy? Where, in general, where are we? And then I'm going to decide, he says, they say, whether I'm going to invest or I'm going to sit in a money market. And that's really the only decision that you have to make right now.