 Well, Tim, one of the things that I know that you've tried to do at Golden Reserve is put it all under one roof so that people don't have to chase all over the place with three different professionals in order to put together one plan. Have you had the situation where someone came to you and then they said, well, let me think about that or let me bounce that off my financial advisor. And then they never come back because the advice they get from the other person is, no, no, no, no, you don't need all that.