 So my financial planning process, it's built on wealth. So that's where we get to know kind of what those drivers are, those motives are for the clients. And then my financial process is essentially four steps. Protection first. So we look at what are all the threats that could just throw your world upside down and how do we mitigate them right here and now? And so that's a lot of the insurance, the estate planning, things of that nature. Liquidity, you know, cash is king. How do we have sources of liquidity? How are we budgeting, saving every month? What do those disciplines look like?