 I have said to people, I don't need a fiduciary standard to tell us to do that. We were doing that before that was cool. But nevertheless, we are a fiduciary. Now, I'm going to bring some pointers out to you that you need to ask for. So a fiduciary basically charges a fee. Don't get hung up on the fee. People get hyper-focused. What is your fee? Don't get hung up on the fee. The fee is not the important issue. Are they a fiduciary? And here's some other key questions.