 But what good is it if it's not giving you the advice you need to survive in retirement? That's what I do. I'm a retirement income certified professional. And all my team members know that the first thing we do is put safety in place and give you lifetime income you can never outlive. And then we take the leftover money after you've got all the income you're ever going to need and then some. We like to overestimate an income. Then we can put some money at risk. And the beauty of this is even if you lost all your money at risk or if the market went way down, you don't have to liquidate that money.