 Every commercial out there is there's a reason why they're paying for that commercial. There's fees that will be coming back to them that'll pay for that commercial and then some. Not that ETFs are a bad investment, but if you're 55 and above, I don't think they're going to be where you want to have a large portion of your money because ETFs mirror the market. So if the market goes up, yeah, they're making money, but there's fees being taken out of that as well.