Right, I don't think there should be strict requirements that say once you reach this age or income level your fees go up. Rather, I meant that fees would average out around the levels I proposed. I'm sure there'll be people who want more hands-on service and are willing to pay more in fees, just as there'll be people who are comfortable with a more hands-off approach. But the industry standard of a flat full-service fee for everyone regardless of circumstances needs to change.