 And when you were talking about planning, it actually made me think of a couple that I've worked with, but doesn't exactly answer this question is I met with them 10 years ago and they were 70 at the time and they had just retired and they were wanting to meet with me to be thinking, you know, what should we be thinking about at this time? And then at that point in time, the most important priority was getting their legal documents together, making sure they've done their power of attorney documents and their advanced directives and