 All we're trying to do is really help them to meet their goals, whether it's an income need, whether it's a survivor benefit for a spouse or the rest of their family. We're trying to really match what they've told you, what they're looking for and what they're trying to accomplish with the best vehicles that are available in the financial marketplace. Frank, do you feel like that's what's going on with Dan? Absolutely. I don't have time to sit there and watch the markets and whatnot. That's why I've got Dan.