 and he's not putting a line item in there, or you're not paying a certain percentage for them to do that work for you. So you have to know they're getting paid. And the way that they do that is by putting you into the mutual funds that pay them the best. So when you can take that money out and put them into an IRA, you can put them into, now you've got the whole world of investments that you can put your money into, and you can pick the ones that have the lower fees and expenses, which is exactly what we do. We use ETFs for our clients' monies in the market for the most part.