 It's not like they're always easy to discern. Sure. A lot of these fees are buried right in the instruments. I mean, when you get a 401K, you don't get a line at them that tells you what your fees are because there's no fee line. But what the 401K company does, whoever the custodian is, and the company that you work with, they come up, they negotiate to try to put together a good plan.