 Steve, a question about Schwab, ticker SCHW. You bet. Do you think there's any regret around fees and eliminating them? No, they do make it up elsewhere. They make up a lot of volume. They make it up on volume. They make it up on volume. Exactly. Thank you. That absolutely is the case. Holding on to those cash assets really matters. All right, Steve, make up or make it up on volume?