When you walk into Merrill Lynch or Fidelity – these are two different firms and I’d like to point out that the specific firm is irrelevant, this is simply an example – but a large firm like that, you would likely meet with a financial advisor. Let's imagine that this financial advisor has a hundred different clients. I'd be willing to bet you, based on my experience, that those hundred clients all would have very different looking portfolios, different types of managers and different asset classes. There's no pattern to what client A is invested in versus client B or someone else for that matter. This difference between the individual clients’ portfolios would not only be celebrated by the financial advisor, but even advertised and promoted with some pride and self-congratulation.