 Boy, you said it. You don't know what you don't know. I mean, that is the truth. Heading into retirement, if you don't know it, you could be making some big mistakes with your retirement assets. Why not get some guidance having somebody professional looking over your shoulder? Okay, so what about people who say, well, you know, all my kids are going to help us. They're going to help us later in life with long-term care. I mean, I've heard that before. And the kids live clear across the country, you know, and then...