 On the internet, you could invest that money probably within 10 minutes if you wanted to. But it's not going to be a very personal relationship. You're not going to be sitting down face-to-face with an advisor. Cheryl, not everybody needs that. So I'd say the majority of our clients are individuals who appreciate the one-on-one, face-to-face personal relationship. Typically, that relationship is at the office, and sometimes it's a blend of at the office and then through like a Zoom or something.