 We're not going to sell everything on one day just to make you think we're smarter than the guy you got now. If you got something that's good, we want to keep it. If you got something that's bad, maybe we do want to get rid of it. Maybe we want to take some gains, offset them with some losses. This is professional money management. But before you contemplate professional money management versus mutual funds versus ETFs, first you have to have some sense of where you are in the marketplace, right?