 Welcome back into more of the Southern Kentucky Retirement Show. Ralph Hipp here along with Alan Costello at Southern Kentucky Financial. Well, a lot of us, we're creatures of habit, especially in the morning. We have our usual order. We like at our favorite restaurant or the breakfast we like to have before we head out the door. We like our coffee a certain way. We don't like to switch up our banks or CPAs or accountants or doctors because we're comfortable with them and how things are done.