 You know, I think from doing this for a long time, Luann, the hardest part for a lot of people is to get over their own procrastination and pick up the phone and make their first appointment. But if you can get over that hump and make that first appointment, make that decision to reach out, I think the sooner you do that, the better. Because in financial services, time is something we all have. You can't get any more of it per day than anybody else.