 They haven't taken the step to sit down with a fiduciary and map it out. There's a large percentage of people that are still working that have the portfolio, but they don't have the plan. I don't want to say it's simple, but it really starts with a phone call just to get the ball rolling. And Elite Income Advisors does that complimentary. So really, there's no reason not to at least investigate, find out as much information as you can.