 You might not know it yet until we go through the numbers. I had one of those recently where the client came in, a great saver, very conservative. They know what they're doing. They enjoy their jobs. And I'm like, well, you've done the hardest thing, which is you have no debt at all. You've paid for the kids' colleges. That's all done. What else do you want to do? What are your goals? What do you want to accomplish in life? And then they said, well, we need to think about that. We need to talk about it.