 Well, you're dealing with a financial planner, you're dealing with a lawyer, you're dealing with an insurance agent, a mortgage broker, a real estate agent, a moving company. And we think about, oh, what connects all these people together? Retirement, your retirement. Are they talking to each other? So everyone is busy giving advice, well-meaning advice, good advice, but only for this narrow sliver area of work that you're going to do.