 SmartVestor Pros that we endorse and the people in the industry have moved to the 1% model under the new fiduciary rules that are out. It puts them at too much risk to do it the other way. I don't have my personal under that. With my SmartVestor Pro, I buy air shares, and they get paid, and that's all. And then it sits there. And so they get paid on the front, and they're done.