 My job is to pay attention to people and, most importantly, say no. Say no when they're about to make a mistake and try to stop them from making mistakes. And who else is going to do that? Right. Now, if you're in a fee-based broker, I'm not trying to talk bad about it, but if they charge you a fee, what happens is you open the accounts, they sign you up, they're getting a fee every quarter or every month, and then they forget about you.