 We're going to talk to you about risk. We're talking about fees. We're going to talk to you about long-term care, estate planning. But folks, the easiest thing to do to be able to reduce your overall risk is stop losing 20% to 30% to 40% to taxes every year. Pick up the phone, 866-597-1040. Again, that's 866-597-1040, 866-597-1040. We have teammates standing by right now to take your call, to put you on the calendar, so that way you can get started on your tax plan as Mike was talking about.