 I had a client that was wanting to retire, but they didn't save enough, and they had too many bills. And I said, realistically, if I could be honest with you, probably some things we need to work on first. So I was just honest with them. And people say, hey, I appreciate it. I mean, we're going to tell you what I think. You don't have to agree, but I'm going to be transparent and say, here's what I think we could do.