 Having that plan in place. Because I don't have a crystal ball. Candidly, Lawrence doesn't have one either. We don't really know what's going to happen in the market other than what history has shown is going to happen. So the very important thing is that if you're five years out from retirement, ten years out from retirement, or if you want to retire tomorrow, you want to make sure you have that written financial plan down that has that very important income plan aspect to it. Because