 They need to improve, right? However, 29% of this survey are working with a financial advisor. So people understand they need to do it, but there are a lot of people that aren't. So now we're going to talk about how do you choose the right one. And I think this can be overwhelming for folks. Prashant, let's just start with you. How do you choose? You've got multiple advisors. I would assume you would want to go through an interview process. Okay.