 That's a great question, Ramona. I would actually say that I'm glad your antennas are up and that you're curious. But it might just be that that mutual fund has the lowest fees and expenses, so it makes sense for both of you. If this advisor came up with the same exact plan for you for your entire portfolios, I would be very surprised. You should have different risk ratios. You both should be broadly diversifying. Hopefully, that's not the only thing they're doing for your portfolio.