 Yeah, that's a good one. And it really is true. We see it a lot these days when people come in for that review that we offer and they bring us their statements. We don't just look at it and say, well, this is a pretty bad portfolio. We send it off to a group called Morningstar. That way we get a third-party analysis done. And it comes back the objective, black and white of it all, the good, the bad, the ugly. And we've seen some portfolios that during the 10-year bull run of the last decade that