 their benchmark is going to be like the S&P 500. And then you'll look at it, you look at their 10-year results, and you'll notice that, let's say they beat the S&P 500 for three of the 10 years. Was it worth it? Was it worth it? And then he double-layered up all these fees, and maybe he didn't even get the tax advice I just talked about. Meaning, are you wasting money? And the reality is, probably. You probably are. And so when I lean toward indexed