 Dave, I feel, and I don't want this to come across in the wrong way, that this is the only part of someone's life I feel they do need a financial advisor's guidance. Because, I don't know, when you're 40 years old and you're working and you've got 25 more years of working in front of you, I don't feel you need an advisor to guide you on the hottest stock tip out there or something like that.