 I'm not trying to be mean and call them dumb-dumbs, but they're dumb-dumbs sometimes. And sometimes you get a dumb-dumb that's a really good salesperson. It's actually why, if you read my book, it's actually why Tim and I started Golden Reserve. We were getting shut down where we were building estate plans. Obviously, Tim and I started Aylor Stallings. We're doing estate planning for the masses. And a lot of times they would be like, well, we got to run this by our financial advisor. I'm like...