 And at some point, I believe the market's going to say, wait a minute, for all of the money that we are paying all of these free referral services, we could take that money and do a better job with our own internal marketing efforts. And I think at some point that day's coming, and I think it's coming sooner than later. Another thing I'm seeing, which is a little disturbing, frankly, and I don't know if the market has really thought through this,