 Nothing wrong with asking the questions. 302-330-2166. Let's get ahead of the game this weekend. George, you mentioned DIY, and we often talk about people who come in with that DIY plan. What's one of the most common mistakes you see from adults who try to do a DIY plan, the Google plan, if you will, and you take a look at the portfolio and you say, all right, well, you did this all right, but this, this, and this all need some adjustments.