 When you're 65 years old, you don't want to give back 30, 40, 50% of your gains. You can't afford to, especially if you're within five years of retiring. And that's the sequence of returns risk that happens, right? And then, Tyson, what's the next bucket after the risk side? So then you've got the tax bucket. And we often have experts, financial experts, come talk to our clients, come talk to some of our prospects.