 Now, there's always the exception to the rule. We have a young client who I met with yesterday. He's an amazing young individual. He's in the Marine Corps Reserve, and he's 22 years old, and he is saving and investing. Focused. He's focused, and he's putting money in, and we met, and he said, Sean, where do you think we should put this? What do you think about this? What do you think about that? I have some concerns. He was educated. He knew what his objectives were.