 Yeah, so just as Prashant just mentioned, the first thing is you take a look at how is your current financial health and how are you able to deal with financial emergencies and your current financial situation. However, we also have to take the long-term approach as well, too. And that's when we sit down and we say, listen, what are your long-term goals here? And that is, when do you want to retire? What do you want retirement to look like?