 is just to help people with that first step, which is, all right, let's take a look at where you are. Let's put together a financial plan, whether you feel like we can provide value and you want to work with us, or you don't feel like we can provide value, you don't want to work with us. Either way, it's no obligation, as you say, Cheryl, but you're going to walk out of our office with a written financial plan that you could implement on your own. You could take it to your current advisor. If you feel like we provide value again, you could hire us.