 Let's imagine that the managed mutual funds that they put you in, now they're not going to cost you a commission because they can't double dip. They're not going to get an annual fee of 1.5% and get an upfront commission on some mutual fund. You can't double dip. So it's like choose one. And you do want the one, I believe, that is going to charge you the annual fee because they're also going to have the fiduciary requirement on them. They have to do things in your best interest.