 All right, Cody, so let's throw a question over your way here. We've got Ramona in Londonderry. And Ramona says, a co-worker referred me to a financial advisor that he's been working with, so I went in for the consultation. And it turns out this advisor recommended the exact same mutual funds to me that he recommended to my friend. But we have vastly different situations and are vastly different people. Is this common practice in the industry, or is it something I should be concerned about with their recommendation?