 I had a conversation with a very nice couple here just recently and her question was, you know, basically how does this work and 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, right? Nobody wants to give that.