Well, you're putting an investor in the position where he or she is, again, subject to all kinds of risk and then you're saying they don't make any decisions.
So what happens if they're put in a portfolio and it turns out to be far riskier than they wanted it to be or they thought it was going to be? Or they think they've got a supplemental Canada pension plan, which is a defined benefit plan, and they find they're not going to get nearly as much as they thought, and they had no access to advice.