 When you have a business of, let's say, three, five, 10, 15, 20 employees, and in my business, right, I've got two investment advisors, financial planners that work for me. One of them's a certified ex-planner advisor. The other one's getting her SEPA as well. And they can do the same things by giving advice like I can, right? So the goodwill starts to diminish from me because they can go in and actually start doing things.