 Of the 50,000 clients I have at Lifestyles Unlimited, probably only 1% or 2% of them even have a 401k anymore. Most of them, 98% of them, liquidate the 401k within a year or two of being here because they realize that they can do so much better outside of the 401k than they can inside of the 401k. So why is that? Well, there's a plethora of reasons. And plethora, by the way, is a neat word for a multitude of reasons why that might be.