 And speak briefly to this idea of how sometimes we see people that have moved over willy-nilly. Maybe brokers have just sold stuff carte blanche and these huge tax ramifications. And that we really do, especially if we're moving large accounts over, especially if they're non-qualified, which gets into taxes. The painstaking process we go through to make sure we don't just create all these gains all of a sudden. So, yeah, it can be a real nightmare. And it's something that people don't really expect. I mean, on paper, you've got all this money.