 And how it all works together is paramount. Now, in fairness, there are some people who only have Social Security in retirement, and it's a lot more simple. But for most folks that I see, they've got other things going on, and we have to find really the right ratios of everything to try to make it work correctly together. And what that takes is time to uncover all the facts and critical information and an understanding of what math we need to do to arrive at the best decisions.