 smart young man. So we're going to be able to help him. But again, if you are getting close to retirement or even already in retirement, it could be a really good idea to review your financial strategy just to make sure you're comfortable with the level of risk that currently is in your portfolio. Because I will remind you, money sitting in the market is not money guaranteed for income. It is money for accumulation. It is not money for legacy. And it's not money for paychecks. It is basically money for