 would be only 1.69 million, 50% less, basically. That's what we're talking about here. And we're not just talking investments here, Jay, as you said. We're going to look at the person who can guide you through the right components for a different phase of your financial life, and that's retirement. So as people are shopping around, what are some tips in how they choose from multiple advisors? One thing is, and a good question to ask is,