 All of that's accurate before we move to the fourth step, which is called the implementation phase, which where the money then comes over to either Charles Schwab and or the different insurance companies we use for our annuities. We do all of that. We do all of the heavy lifting. Again, folks, this is why I have so much staff that can handle all of the business we create. The fifth step, this is called monitor your progress. This is how we make sure you're staying on track with the original game plan. Now, the reason I go into all this, these five steps,