 How are you paid? That's a great question. And Dave, just to clarify, because as you're reading that statistic, something I wanted to make sure people are reading it the way I'm listening to you doing it as well. Vanguard is the one that is promoting that when you have a managed account, you will most likely have more money. But to me, that's kind of a steered article or a statement because Vanguard wants to manage your money.