 If we can't afford to do both, does it mean that you take a vacation every other year or maybe you're taking less expensive vacations? My job as an advisor isn't to tell people what to do, but it's to help put them in a position where they have the information to make a decision. People want to make their own decisions. They don't want to be told what to do, but I think the problem is that people get frozen or paralyzed because they don't have that information in front of them to make a decision or feel like they're, I guess, make an educated decision, right? So,