 Well, duly registered advisors are, I feel kind of bad saying this, but potentially the absolute wolf in sheep's clothing. Because if you ask them, are you a fiduciary? They say, absolutely. But then they can turn around and sell you a brokerage product as a representative of their broker dealer two minutes later. You literally have to be asking them, are you now giving me advice as a fiduciary or is your broker hat on right now?