 How safe do you think Vanguard is as a company? My husband tells me extremely safe. I shouldn't worry about that. I think you're right. I think they're as safe as they can be as a company. But as Herb said when Herb called in, the only fear you really have, I don't think you have any fear at all from Vanguard messing up. None. The only fear that you might have is the one you're taking care of with the two-factor authentication.