 So, again, I'm not telling you to go do all this. I'm just making a point to you that there are people out there that are highly sophisticated at what they're doing. And then there are people out there that are just winging it. And if you're going to wing it, you're going to need somebody's help. That's all there is to it because you're not going to get through it successfully. Now, I will tell you this, though. Even though I was financially sophisticated...