 So we need to calculate and figure all these things out ahead of time. And then we'll show you how we move things from the aggressive box to the moderate and conservative box and make sure we reduce your risk and set you up for income. So these are all things to consider when you're coming in to sit down with us. So let's take a minute and explain how our first meeting works a little bit. I think I've had a lot of clients ask about this. It's very important.