 Good to be with you. Well, we've all been caught off guard at some point. It's a terrible feeling. And, you know, driving around Kentucky, if anybody's on a hunting trip, it's like you freeze like a deer in the headlights. Everything hits you all at once financially. You kind of feel paralyzed. What do I do? Where do I go now? How does analysis paralysis, as we call it, impact people all around southern Kentucky who need to make some solid decisions about their retirement?