 spend those life-saving assets down as you wish, or preserve them for the next generation. So again, we don't care which camp you're in, but it certainly does make a difference as to how we do the planning when you come in and tell us which camp you're in. So again, that's why these one-page retirement income plans that we designed here at Belmont Capital, we've had some of our listeners call in and say, just mail me that plan. Well, I don't know you, man. I can't mail it. So you folks out there listening right now, we would love to just send you your plan.