 We're using these scenarios as examples, kind of get you percolating on it. And again, always interesting to see what scenarios are out there across the country. So here's the next one, Prashant, for you. My advisor with a well-known company has my retirement portfolio in 20 or more funds, and 30% of that is in ETFs. And we also have four cash funds. It's very confusing. They claim to be a fiduciary. The money is safe, but returns given this year...