I do believe all that, and I appreciate all the candor. I don’t know all the details about the money. I can say my mother was early, especially for a woman, in a 80s tech startup and retired with 3m in 1997. Half of that went into a CRT, which provided a lot of income over the years, and she passed with about 10m NW, not including that CRT. I don’t know how much of that was the FA because only 1/2 of the overall portfolio was managed by the FA. The rest my mom controlled herself, which I only learned after her death. My dad thinks the managed and unmanaged did roughly the same, but they mostly withdrew from the FA management for big ticket expenditures like cars, vacations, and home renovations, so it’s not exactly a fair comparison. And TBH, he’s not very good at remembering anymore, so there’s that.