 Give me a whole picture of where they are right now. Whether we meet them on a Zoom meeting and they're out of Texas or California or Florida, or we meet them in a seminar or webinar, it doesn't matter. We do the same thing every time. They fill out the confidential financial questionnaire. They ask us and tell us what their biggest concerns are. And I see those biggest concerns are almost always the same thing. I'm afraid I'm going to run out of money before I run out of life.