 That's what we're here for. That is what we're here for. And then, of course, there's the simplest scenario for James and Penny. They both turned 65 at the same time, which we don't see very often. Not too often. But if that was the case, they both want to retire from their jobs. They both don't want group coverage anymore. They can both enroll in Medicare Parts A and B and insurance with us at that point. All right, so moving on to slice of the pie number four. When to meet with the insurance advisor to decide what type of insurance to choose. This is where we get to come in.