 You know, if you're working with somebody who just has investments, that market goes up and down, and you hear the old phrase, Luann, hang in there. You'll be fine. The market comes back well. What's your plan? Do you have a plan for retirement? Do you have a plan that would work for Social Security? And maybe you don't need the Social Security. It's not time yet, but we need to find out what your options are so you can decide what's best for you and your personalized situation for Social Security. And then