 Whereas if you have all your money with these money managers who claim to be fiduciaries but aren't even licensed on the safe money side, taking all your money and supposedly managing it, when the market goes down, they manage to lose your money as well. When a rising tide goes up, all the ships go up. When the rising tide goes down, not only do all the ships go down, but you find out who doesn't have a bathing suit on.