 This card strategy may not be a great fit for you, but there may be some other strategy that works better for you. And we are fiduciary. So what does fiduciary mean, Raz? Fiduciary means that whenever we talk to you about your situation, it's always going to be in your best interest. So when we're talking on the radio or we're doing a seminar or a webinar, that's general information. It's not specific to you, so it's not a fiduciary advice there.