 Well, are you better off getting 8% per year not paying an advisor $10,000 a year or are you better off getting 10% paying an advisor $10,000 a year? Well, the answer is simple. You're better off basically $20,000 a head making $100,000 in a million as opposed to $80,000 on a million even though the advisor got their $10,000 per year. So I would say the advisor is earning their keep and that's what it boils down to when I talk about value.