 But what ETFs are, if you break it down, it stands for something. It's an exchange traded fund. What it means in normal words is that there's a combination of stocks, bonds, and equities that are all kind of squished together into one account. And the concept of an ETF is they have lower fees in general than, let's say, a mutual fund does or other managed accounts. But what I don't like about what I just said is a lower fee still means you have a fee.