 $400,000 in a 401k and IRAs and Roths and you mush all that together and that's the value of it. You're paying them 1% or 1.5% on $400,000. That's $6,000 a year. And then they invest your money and they go out there and they buy you some mutual fund like Investment Company of America or something like that. You're looking at the internal expenses of that.