sells at a [price-to-earnings] multiple that is half of Schwab. I think that's why I like Morgan Stanley more, but I'm not debating Schwab as being not a great company. It is indeed a great company.": "We've got to understand, it's got to make money.
That's the whole point. If they're not making money, we're not recommending it. We've got enough problems with the ones that are making money. We don't need the ones that aren't making money. The only one that's not making money that I really like is
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