 I've seen some of the portfolio. That's one of the things that I've been saying for years now is get rid of the individuals, go to a normal ETF. Well, an ETF, mutual fund, function about the same way. We recommend mutual funds typically. No big difference for purposes of diversification. They both accomplish that goal. And they both have good long track records. If you're doing like an S&P 500 ETF, it's a pretty simple equation.