 The second is an asset allocation strategy. That's the A, making sure that your assets are allocated in such a way that they are allocated based on risk and based on when you're going to need them. I is for insurance, making sure that the things that can blow your plan up are properly insured and protected. S is for strategic tax planning route to make sure that your lifetime tax bill is addressed. We're not just talking about saving a few bucks this year, but looking at your lifetime tax exposure,