 It's common for us folks that don't really know what we're doing to make rookie mistakes. That's why we turn to professionals. So Skip, let's talk a little bit about the first point here, which is having investments really with no purpose. Like people that just, you kind of have stuff because you're told, you know, hey, this is the thing to do. And you maybe don't really know what it is or why you have it. All right, so let's start with this first one here, guys. Investments with no purpose. Cody, I mean, obviously, you know, you got to have investments, right? But you also need to know why you have them and what they're doing for you.