 you are given three choices, conservative, moderate, and aggressive, okay? The fundamental issue I see with financial advisors that ask what is your risk tolerance is that it's not a specific definition of conservative, moderate, aggressive. It's so generalized that you and your advisor may have totally different expectations of what those words mean. So I'll give you an example. You say, Morgan, you come in to visit with us and you say you're a moderate investor. And I say, great, I'm