 retirement and retire on your own terms. Now, we've talked about a little bit here, and we're going to talk a lot more during the show. We've got Cheryl Moore coming on. She is an expert on financial products in this financial industry. We're going to have her on about her new book. We'll be very excited about that. But let's talk about the strategic development process that we always like to talk about when we meet in person with folks. It's a very important topic for our listeners is having a strategic development process, like we're talking about now, developing your true retirement plan.