 I would agree with you in the fact that you do need growth, but I would say that if you're paying somebody for growth, you're paying for something you don't need. You can get it for free. Growth is not all that hard. So let's talk to the younger group right here for a minute. You're 45 or under listening to today's radio show, and you're thinking, you know, I don't need an income guy, man. I need to grow this money. And if you're 42 years old and saving money every month in a 401k, I agree with you. You don't need income. You need growth.