 That's an interesting question. That's a good question. George, what do you think? Yeah, nothing wrong with that. Here's the thing. When you look into the big three, Vanguard, Fidelity, Schwab, what you'll find is they're going to have lower fees than probably a bank brokerage does. And the other thing about bank brokerages, they're going to try to sell you all kinds of debt products.