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Partnerships just need to be defined as to who's responsible for what and what you're bringing to the table. And understanding what kind of rates of return. The best thing to do on that is to start having conversations with clients and asking them, hey, what kind of rates of return are you seeing in your money market? In the stock market that's secured and guaranteed? See, if we ask questions, they'll open up. And as they open up, then you can ask the question, well, if I had an opportunity for you that returned a little bit more than that, would you be interested in looking at that? You see, so we go from the agent relationship to the investor and the guidance relationship and seeking and giving opportunity, rather than always asking for more business and those types of things.