 And they'll bring a portfolio that they had with an advisor. They've done on their own. And you can just look at it and understand where the lag is, where the drop is. And sometimes you don't want to tell them that, hey, that extra 2% or 3% that you've given up over 15 years probably could have doubled your money. But you really have to. As being a fiduciary, we have to act in people's best interest. And we're legally bound to give them the answers. But