 So that's a complicated way. And I'm sure people are driving around going, that was a mouthful. Thanks, Mike. No, I'm more confused than whatever. But the point is, yes, it's complicated. But a true fiduciary, an advisor that has your best interest at heart is not just going to be an investment advisor. They're also going to help you with the taxes. And then they're also going to help you with the income planning.