 And then at the end of that call, that's when the decision is made whether or not you want to move forward with what we call a discovery meeting. Now, the discovery meeting is a no obligation, usually about 90 minutes to where we kind of try to determine a few things. And that is, you know, what's your vision for retirement? And number two, can we add value? And simple truth is, Ralph, if we can't add value, we don't want to waste their time or ours.