 And managed accounts is simple. There's no commissions, and they charge 1% of the balance. Now, some of them do have a minimum, you know, $50,000 in balance or whatever until they get there. And you don't need to pay an annual fee. I don't know what that's for just for planning because you're not going to be doing that much planning annually. Now, you may want to pay an upfront fee to help you get your will started if you don't have one.