 When I was talking about dividing up your accounts, years ago, we had IRA fees. Custodians like Fidelity and all these big companies, they were charging like 90 bucks a year or whatever it was to generate the tax forms for your IRA fees. And then, of course, there's a big space for them to be competing in. And one of them would reduce their IRA fees to like 50 bucks and then