Some years back, I was faced with a situation where I wanted to put a client into a mutual fund, but our company had a policy that it had to be a three-star rated fund by Morningstar in order to fit their bill. The fund that I had in mind had had a couple of bad years, but it had a long track record, so I knew that it would come back. It's just that type of fund didn't do well during those previous years. So I wanted to put the client in it, so I called up the compliance manager. Well, I called up the sales manager first and explained my situation. He told me to call the compliance manager. I called him, and he told me I couldn't do it. I said, what you're doing is you're costing people an opportunity to make money because that fund went up 60% that year, but I was not able to put my client into it because of their policy. I said, your policy is to protect you, not to do what's best for the client. It was very frustrating to have that kind of a situation with the kind of rules that sometimes they put in place. I've always felt that somebody breaks the rules, they should be punished for it, but don't punish everybody else because someone broke the rule.