 Well, and think about this, too. Like, we have a terrible financial education system in this country. We have for 40 years, right, or longer. We don't do a great job of educating people on how to do. We were just talking earlier about, you know, like it's going to be expensive in fees. Think about just target date funds. There's like 2,200 of them now. Like, you don't even picking that one. Like, most people will pick a target date fund because it's easy. They go, oh, I'm going to retire in 2040. So, boom. Set it and forget it. But which 2040 do you pick?