 And I think the older we all get and closer to retirement, there's a lot of non-fee based funds out there that work as good, if not better than any of these things you're going to see on TV. But guess what, Dave? You're never going to know about it unless you have someone like me to educate you. Because why would a company spend millions of dollars on something that doesn't generate them upfront fees? They wouldn't do that and they don't do that.