 Yeah, a lot of people do. But that's not their fault. It's because our industry has gotten to this point where it's like, hey, let's just sell you a financial product. And I'll ask people when they come in and they got mutual funds. And I'm not doing it to make anyone feel uncomfortable. But I say, well, explain to me how you got this mutual fund. And they'll say, I had it in my 401k. Or this is what the advisor had done for me. And I say, well, how many changes have you made on this mutual fund? No, we haven't made changes. We've kind of just left it alone.