 And if you jump on and off the roller coaster, that's who gets hurt. Ride the dadgum ride, and you'll be okay. And you need somebody to talk when you're early in the game emotionally. You need someone to talk you off the ledge, and so it's worth every penny. And generally, they earn their 1% other ways as well. So it's not a bad plan. What's the fiduciary responsibility? What's that shift?