 In my opinion, if you have a blank canvas and you're designing a retirement plan for something, and of course that blank canvas, you need to kind of come up with some sort of avatar client, right? I'm not talking about an instance where the husband and the wife have a 15-year age difference. But if the husband and wife have about a five-year age difference, which is prototypical, and we have an individual who's got some money saved, and they go, hey, I don't want to work anymore. And they want to retire under the age of 62.