 That's one of them. I mean, don't spend so much. You know, some people need to get rid of debt. Some people just spend too much money. Well, yeah. Yeah, I mean, my goodness. It's easy to do with the credit cards now. Yeah. And, you know, like I said, we want to help clients. And, you know, as an independent advisor, we don't have anybody above us telling us what to do or what product we should talk about. It's not about product. It's about having a plan. And, you know, I get clients who will come in and say, well, my friend at work said we should do this. Yeah.