 All right. And remember, that's complimentary, something that Mike is offering you to those that are listening today. And we do thank you so much for joining us. This is Retire Right Radio with Mike Stevens. Now, I know, Mike, you and your team work really hard on figuring out strategies for each individual or couple who comes in as you're working on their retirement plan. Kind of walk us through a possible strategy to make sure that someone's not going to spend on their savings too fast.