 I think that speaks volumes of integrity financial planning. I really do. And it's better to do that versus, oh, we got this amazing portfolio that's done 27% analyzed returns, and it's fantastic, and we're going to do this for you. Look, if you're doing okay, stay where you're at, right? But how do you know? Could I have shown him some things that probably would have helped him? Maybe, but he was wanting to know if we can...