 No, it's not. Absolutely right. No, I agree with you. In fact, it's something that most, I'll say many, I won't say most, but many quote unquote financial advisors aren't going to talk about this at all because truthfully, they're either financial salespeople or money managers. And there's nothing wrong with that. I want to be very clear. There's nothing wrong with that. But what many people, at least we find, or I'll tell you this, the families that come to us