 Let's talk about healthcare costs. And so many people come in, Dave, and they say, my current advisor, I've been with him 15 years, they've never talked to me about healthcare. Wow. Amazing. And it doesn't make them bad. They're used to working with people in a different season of life. Younger. You need to understand what type of firm you're working with. Do they take anybody that comes to them with money? Or do they specialize? They specialize in certain areas. Yes.