 Hey, it's Rick Jensen, fellow client of Dan White, financial consultant specializing in retirement income, having a conversation now with Professor John Raybould. John, you're a professor at the university. Tell us what you teach. I teach material science and engineering. So you do a lot of research. Yes, I do. And when it came to retirement planning, when did you start researching that? Most recently, you know, I started thinking more seriously about it maybe five or six years ago. So if you've been doing this for so many years and you've talked to many financial advisors, why did you choose Dan White? Because he's honest.