 You don't wait until I didn't, you know, like for me with the heart surgery, I waited until I was having major problems, went in and found out bad news. I had to have open heart surgery. Don't wait until that point. Get on the calendar, come on in and have a consultation and see where you're at. Most of the time when people sit down and talk with a qualified financial professional, and I talk to them all across the country, people more times than not are in better shape than they realize. But if you're not, it's better to know now than later. So...