 Yeah, Ralph. RAIC is an acronym that we developed to help our clients to be able to visually understand the five elements of a retirement plan. So many times we get the idea that investment firms like ours, financial planning firms, is just about investments. But we look at it as a five-step process. The first is to have retirement income, to know where your income is going to come from, to know how you're going to pay your bills in retirement.