 Where's the value? You should cut me out in a second and just call Vanguard Direct. You can do that. And people realize that, but then at the same time, there's a lot of advisors out there that are trying to create this perception of value, but then at the same time, they just tell people to hang in there on stuff that they could have done by themselves. So that's not the type of relationship that we want with anyone. There's no value there.