 Again, I don't know if I've articulated it properly here on the program. We always talk about the fact that we here at Marquette, we're not here to get rich quick. It's not going to happen. Getting rich quick, that's a racket. Everything in life that has meaning, value, and worth involves work, time, and effort. And what we try to teach here on the program is, again, I got rid of the phrase financial planning. I really don't like it.