 on how that roadmap will work for you and your money will work and you know what's coming out at a certain amount of time and you never worry about what money you're going to have compared to now. I'll tell you, I appreciate you saying that. You've been through the process, so it's an income plan is what it is. We do this for our clients that are in that category. And I tell people it's the closest thing to a crystal ball that I can show people because if you have a train wreck coming in 4 to 5 to 6 to 10 years, we can identify it well in advance. It's something you need to be looking at. Absolutely.