 ask certain questions, and then once you do make this decision, you're going to have a conversation with this advisor. You know, how's my overall financial health? Do I have this long-term financial plan? Can you see it in front of us right now? And then maybe just little things that we can do. And as advisors, and Prashant, we'll let you start with this, somebody sits in front of you and they say, what can I do right now to help myself?