 I know I normally charge 1.5, but I'm going to charge 1.25 because I like you. I like your style. And you're like, oh, man, 1.25, what a nice guy. And that's 0.25 higher than the national average. But anyways, I digress. So then you go through that, and then you find out, oh, my gosh, they sold me a bunch of mutual funds that are now charging another 1%. So now before the race even starts, you're 2% behind the starting line.