 and you need to be, and I'll tell you why in a minute, okay? So what you're looking for is go to ramseysolutions.com and click on SmartVestor Pro and find the pros in San Antonio and talk to a couple of them and interview them and decide who you want to work with, what you're looking for, someone you're comfortable with, and here's what's really important, and we try to not have any SmartVestor Pros that aren't this. Number one, if you go to our SmartVestor Pros, the people we recommend,