 making sure the portfolio is allocated properly to minimize the downside based on risk tolerance and however else you choose to look at it. I don't think that's lazy. I think it's being very specific, making a customized portfolio for your client, Peter. Don't stop it. Don't with me. Kristen, before we go to the break here, because we've now done two segments on this email, unless the advisor is guaranteeing 10% rate of return for 10 years with no surrender fees, I mean, it's not a good match, right?