 that people never know about. They're not advertised. You don't see a line at them. So when you're wondering, well, geez, if I just did the S&P 500 index, I would have got 9% or 11%. Why did I get 6% or 8%? Well, it's because you were buying into the mutual funds that were offered to you. The custodian has to make a living, too.