 They are complimentary. Again, you leave the checkbook at home. So we've been talking about how you make that decision. You interview. You talk with a number of advisors. Okay, so now you've decided. You're going to go with an independent, right? You're going to go with a fiduciary firm. You've got all that settled out. So now you sit down, and these are questions, and a really good advisor is probably going to ask these questions of the client before they actually get to them.