 There's a lot that went into that number. You have to look at what was the advisor charging in fees and everything else, but just assuming the average fee that an advisor charges. I think it goes to the question, is there a benefit or what is the benefit to hiring a financial advisor? So that particular study found that on average, an additional 1.82% per year. So let's say that, again, I know our listeners can do math, but let's say that you're