 We have to be able to communicate in that. What's another one that's so important, Dave? Big time, fee structure. Okay, this one is huge. And this is exactly what ChatGPT says. Understand how the financial advisor is compensated, whether it's through fees, commissions, or a combination. Now, stop right there. They call these advisors hybrid advisors. I think a hybrid is a darn car, not a financial advisor. I believe you should be working with someone that is either...