 We're fiduciaries, too, by the way, because we offer risk and safety. I don't think anyone who only offers risk can call themselves a fiduciary because how well are they doing you? A fiduciary means we have to put ourselves in your shoes and say no matter what happens in the money world, the advice I gave you is going to be good for you in the future. Exactly. If someone gives you a managed person, they're giving you managed accounts, they're saying, oh, yes, we're going to charge you a quarterly fee and we're going to manage your money.