 You're a financial advisor influenced by their manager based upon the product selection or the solutions that are going to come up for you. That's why it's so important to get a second opinion, to reach out. If you've not worked with an advisor, if you're working with a captive firm, and you know what they are. They've got these big brand names and names on stadiums, and you know who they are. If you're working with somebody like that, come in. What's the challenge, right? What's the risk?