 You need to understand exactly how every advisor is paid. And then you need to also, are you an independent advisor? Because what that means, Dave, let's say you saw a commercial that says call XYZ company because we're great at planning for retirement. Well, if they don't offer every carrier or company in that state, don't call them because they're only going to tell you their company is the best because they can't legally compare it to anything else out there.