 So in the investing world, the Obama administration pushed these regs through that said that anyone who's paid a commission is not a fiduciary. So if you're paid a commission of 5.75% on a mutual fund, that's a straight commission on an A share, and then that's it. You never get paid again, but they manage your money for you, and that's how the old smart investor pros all ran it back in the day. But if you do that now, you're liable if they want to sue you for something.