 And the reason for that is they just haven't planned. They have a plan of hope. They worked hard all their lives. They saved what they could. They did what the masses did. They put all their money in pre-tax retirement accounts and some taxable investments, not seeing the future tax problems that might lie ahead because we see things that people don't see. We've been doing this for a long time. There are things in your blind spot that really need to be surfaced financially.