 We do get that a lot, and that's not an easy answer. The main thing I think we do is we ask questions, we listen. You know, what are your expenses? What's your income now? And then if you're getting close to retirement or already retired, what kind of income do you need going forward? And then we look at, okay, you need X amount of income. Your expenses is this. We want to make sure you don't lose it.