 But it comes down to having a plan, a comprehensive guidance approach in a lot of areas that impact your money. We get calls from people all the time because people are working with product salespeople and they see that they're not getting the answers they need in how to optimize their social security, what strategies work best for them, or how to optimize their pension, or how to have a backup strategy to have in place if you need out-of-pocket health care so you don't