 Yeah, that's a great way of putting it. It's definitely the lack of money. And also, you know, what we do here in-house is we're working on peace of mind. So we put together a plan that makes it so that you know that you're going to have money coming in as a form of income and to the rest of your days. So we take out that guess or am I going to have enough money to retire? Can I retire now? Like, will I run out of money? So that's part of the retirement readiness review we do here in-house. Mm-hmm.