 And I think that's great because this is why we don't sell retirement plans and charge a fee and move on because people's lives change, people's goals change, and a plan needs to be able to adapt and change. So each time we're sitting down with clients too, we're saying, is this still the amount of risk we want to take? Here's how much of your money you have protected. Here's how much you have taking on risk. Are we comfortable with that? How's your income doing? Do we need more income? And we're checking in. It's almost like when you go to the doctor and they're