 All right, Earl, if you're out there, buddy, you're in Brentwood. He says, I feel like I need to get some professional help with my retirement savings, y'all, but I just don't want someone to tell me that I need to roll every dollar I have in my 401k over to some product that's for sale. Is that how having a financial advisor works? So it sounds like he's maybe talked to somebody, and every time they talk to him, it's pitching a product versus maybe a plan. I don't know. What do you think?