 Number four, you have no social security plan. Well, I have no social security plan. Well, I guess I do. I'm not taking it. That's my plan. And if you go to any financial planner seminar, they'll tell you the thing you need to do is not take it because it will be bigger. Well, I've got that plan. Number five, no monthly financial plan. We already talked about that one. Number six, no long-term financial plan. I've actually got a long-term financial plan. I know exactly where I'm taking my portfolio. Now, here's an interesting point. We sit down