 Well, one of the things we look at whenever we get that third-party report, we'll not just tell you what our opinion is of your portfolio if you come in for a complimentary review. We're going to get a third party that's going to be Morningstar, and they're going to give us the black and white objective view of how your portfolio is positioned. And one of the things that we look for, a red flag, is going to be, are you diversified or do you just have the appearance of diversification? And