 If you want to buy gold, if you think that the market's only going to climb from here and you want to get in and diversify some of your retirement income or some of your assets, Nick's the guy to talk to because it's just based upon what you buy and it's just a flat fee for how much gold that you buy. You give them the money for the gold, they give you the gold, and it's that simple. No tricks, no gimmicks.