 We talk about planning all the time, yet I don't see anybody in all the years I've been doing this come to my office with a plan. They have investments. Ideas, maybe. Yeah, they have tools, but they don't have any plan. And these are people working with advisors that they feel they're advisors, but when it comes down to it, they were sold stuff. Now, granted, you have to invest your money someplace. And all the investments that the major financial institutions have that you can invest your money with,