 Yeah, I think that's a great point, Prashant. And I think one of the biggest misconceptions about financial planning that's out there is that people think it's all just about money management. And what I tell everybody is you cannot do money management in a vacuum. There's other things that you have to consider, to your point, Prashant, when you're talking about financial planning and you're figuring out how to manage that money. So first off...