 That's actually a really good point. There are other solutions out there. I mean, you could go with a robo-advisor and just use it as a parking spot in the meantime and pay 50 basis points less than what you're paying right now and arguably get potentially better returns because the allocation might be closer to what it should be than you might be using with your advisor. So I think there's other solutions that don't require Jay to do the heavy lifting themselves.