 Then we need to make sure you have the right portfolio for where you are and where you're trying to get to. And once we have that information, then we can lay it out as part of a plan to see whether or not on the first day of the month, you'll have enough income to pay your bills. And if not, what we may need to do to create more income. It's all about the facts, laying them out so that we can make informed decisions. And it starts Luann. It starts by our listeners saying to themselves right now, yeah, that makes sense. And then they pick up their phone and they give us a call so we can get started.