 Those 2%, 3%, 4% over a long period of time is an enormous amount of money that people leave on the table. And why not? Why not just do a better job is what I tell people. Why not do a better job? Well, you look at those numbers and there are a lot of people out there that are probably going, hmm, I don't even know what fees I'm paying. There's an opportunity to get on the calendar with Jim and his team at Martinwell Solutions. And you can find out exactly what's going on inside that portfolio. It's called a second opinion.