 as retirement planners and as attorneys if we didn't broach these topics. And I think a lot of people do a disservice to their clients by avoiding them because they're scared to have the conversations because they know that they're hard. But we have to have them. It's so different than us having the tax conversations. These are the things, this is why you're actually hiring us. We're not here to always be your buddy and take you golfing and do all the fun stuff. I mean, we can still do that stuff. But at the end of the day, we