Steve said that's part of it, but the bigger part is advisors trying to stand out and what they'll do to accomplish that goal.

I think it's about differentiation, um, and it's also fear of missing out.

Um, and then you also add in the FOMO private investing, which, um, most people, most people were told in twenty fifteen, if you don't sell your firm, you're going out of business.

Then most people were sold if you don't give your clients private investments, they're gonna leave you for somebody more sophisticated.

Then if you don't use cryptocurrencies, right, this, you know, you're, you're ignorant to what's happening with central banks.

And now if you're not using tax alpha, you're gonna be left in the dust.

If I believed in private investments for the last forty years, I would keep using private investments, but we're highly skeptical about private investments.

If there is an underperformance situation, and a client asks a, um, an advisor what happened, and if the, the advisor is like, "Blah, blah, blah, blah, something, things, mechanics," whatever, like, they're gonna seem at least, uh, unprofessional, and it could be, uh, more dire than that, I imagine.

What, what about you, Steve?

Yeah, so I'll never forget, um, my doctor coming in and being really blunt said, "Hey, you're never gonna walk again." And I understand they have to keep it real, and, uh...

Man, I, I...

That hit me so hard.

Um, I, I didn't tell you this part of the story.

When I got to the rehab, I had this thing on my head called a halo.

So I had screws in the front and in the back of my head just to stabilize my neck while it was, uh, recovering and, and healing, uh, after surgery.

It affects everyone around them, uh, uh, especially those closest to them, and so they need as much guidance and learning and support as, as the patients do.