 So in the investing world, the Obama administration pushed these regs through that said that anyone who's paid a commission is not a fiduciary. So if you're paid a commission of 5.75% on a mutual fund, that's a straight commission on the A share, and then that's it. You never get paid again, but they manage your money for you, and that's how the old smart Mr. Pros all ran it back in the day. But if you do that now, you're liable if they want to sue you for something.