 It includes a risk analysis where we can show you on a 99-point scale how much risk you're taking and you determine whether or not that's an appropriate amount of risk for you. And then number three, we have to talk about taxes and healthcare. Okay, taxes and healthcare are going to be two of your biggest expenses in retirement. You have to have a written plan for how you're going to manage those expenses along the way. So it starts with that phone call. You are not agreeing to become a client. There is no obligation required.