 Here's something that you look at, and this is one of those that you'll bring up whether or not they do, is how diversified is my portfolio? It is very, very important, Dave. I had a client in the office just the other day. They're with another advisor that the advisor is telling them that they're in so many different funds because they're diversified and they're spreading out the risk over the entire market. Well, I ran what's called a correlation report.