 That would keep me up at night, and it would scare the heck out of me. And that's why I'm so passionate about what we do, is we like to be able to draw on our own experiences. And my team has similar experiences that they can share with you as well. So if you're concerned about anything to do with retirement planning, whether it's taxes going up, whether it is where's my paycheck going to come from, or I'm not sure if I can weather another bear market like we saw in 2022 for retirement income,