 can be very varied and widespread. We get paid in two manners. Because we're dually licensed, again, we do both sides of the financial world, and only 7% of advisors are dually licensed. Most of them are either brokers, in other words, they're handling your risk monies in the market, or they're going to be insurance professionals, and they're going to try to make all your money safe one way or the other. They can't put a great plan together if they can only deal with one half of your money.