 Exactly. And I mean, if you're sitting back going, well, wait a minute, I never thought about this. You know, I thought putting together a financial plan just meant that, well, I can pay the bills, I can pay the mortgage, and hopefully there's enough around if there's an emergency. Well, again, your financial plan is your life plan in general, but certainly when you enter retirement, right? I mean, it's essentially that lifeboat that you need to keep on moving. And the question everybody has is,