 You know, we're not telling people what to do, but we are showing them the way that could be significantly better than what they're doing right now. The very first thing that we do is we need to analyze your situation now. And we need to take a look and see what are you doing? What are your incomes? What are your expenses? Not only now, but then we have to project ahead. What are they going to be in retirement? So once we can clearly delineate where you're at and where you're trying to go,