 Dave, you made a really good point about worst case scenario. And when it comes to lifetime planning in retirement, you have to plan as if the worst case scenario may happen. And this is a part of my process. I help people understand when we get to know each other. But I think in order to get to know someone, you have to have the trust in that person before you get to the next step. And that's why I do these radio shows quite often or weekly.