 And don't you think that might be part of the problem? Every once in a while, I think people will come here. Maybe they're with an advisor. They go back to a competitor who doesn't think like we do. And we almost look like outcasts or what's that Walker fellow doing? And I didn't realize that's kind of what we're doing. So I'll use an example. We work with savers. You covered this last week. But if you were in the stock market, and that's fine, I guess, in the 401K, and you're getting close to retirement, it's worth a lot of money.