 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.