 That's what we do for individuals. We're going to take a very, very close look at their portfolio. And then going back to risk versus returns, I think it's okay to take risk in a portfolio. Risk is not a bad thing. But if you're willing to take risk, you need to be rewarded for the risk that you're taking. So something that we'll see over and over again are individuals that are taking a lot of risk, but they're not being rewarded for it. And that is a problem. So