 We get paid for adding value to your situation. If we don't add value, then you're not going to want to pay us, Ralph. But if we add tremendous value, then you're going to want to. So we want to first get to know you, find out what your vision is of retirement, and then look at your resources to see how we can help you to achieve that. You know, it's amazing the stories I've heard over the years. Some people, they want to enjoy their life. They want to spend their money. And if there's anything left, well, the kids can have it.