 Plain and simple. It's inarguable. I know you're not my chip, not my not my Susie. Like now my guy, my gals would go to church, blah, blah, blah. Trust me. There is inherent bias and conflict of interest when if you spend your money, they take a pay cut. No matter what they say is subconscious, conscious, whatever it is, it's inarguable. They do not want you to spend as much money so they make less money. It is what it is.