 because they've got to get that money. That quarterly check needs to keep coming. They've already spent that money. So if you leave them, they're going to grab your leg and hope you don't leave because there goes their quarterly fee. Exactly. Whereas you're putting yourself in a better place when you have a total plan. Yep, exactly. I'll argue this all day long with anybody who wants to argue it on the money manager side because they know. They hide behind their little commercials and everything, but they know they're not putting you at safety. Exactly. I can sleep well at night at home knowing that my clients are not going to ever have a catastrophe like that.