 The answer would be no. I don't want more of a return with less risk. I mean, it's likely to be yes. I mean, this is what people need. And I think that's what active management can help people with. It should be able to help you get a higher return, net of fees. It should be able to help you reduce the risk you're taking to get those returns. And frankly, if you can't do that, you shouldn't be using it. You should just stick with what you're currently doing.