 So you want to own Vanguard funds doesn't mean you have to have your money custody at Vanguard. In fact, I would tell you how bad it's gotten there that I would much rather own Vanguard funds through Schwab because it doesn't cost me anything more to own Vanguard ETFs or funds through Schwab than it does at Vanguard. And full disclosure, we both actually have accounts at Vanguard. We both run our 529 accounts there.