 That's where the programs that I use come into play. Because one of the things that we do is we get the risk out of retirement. And that doesn't mean you have to fire your current advisor. Not at all. And I'm not going to tell anybody that they can't have money in the market. Of course you can. However, it does mean you might have to look at things a little bit differently. It's kind of like, well, it's the same as making that transition.