 kinds of hooks and ladders and things that you need to contemplate prior to retiring. Stuff that's way more important than which mutual fund should I use. And that's where we're differentiating ourselves, right? A lot of financial advisors earned their keep for years and years just basically going here, buy this mutual fund. It's a Morningstar five-star rating. Like you can get that done on Vanguard for like one-tenth the cost.