 Don't do what the typical American does, which is go to their lender, ask for the absolute max they can qualify for, and then go look for homes right up to that limit. All right, Britt, I've got time for one more question. You got it, John. Chad from Maryland is saying that all he hears about is that he needs to find a new fiduciary, but it seems like the last few that he's interviewed are what's known as duly registered. He's asking today what he needs to know about with this type of advisor.