 Are we just sitting in these mutual funds because that's how the advisor gets paid? We want to ask follow-up questions, of course. If an advisor collects a management fee based on dollars being invested in the market, well, of course, they have an interest in you not pulling your money out of the market, even if it's in your best interest to do so. You want to ask these tough questions. You want to ask follow-up questions and try to get to the root of, well, why am I invested in what I'm invested in? Have you had any conversations about that? And