 So again, it's not for everybody, but this is an example of a unique strategy that you probably haven't heard from a lot of other advisors. And we like to think outside the box here at Higher Ground. We like to try to get rid of those three biggest killers in retirement, which are risk, fees, and taxes. And again, when we eliminate or reduce as much as possible those three biggest killers, risk, fees, and taxes, everything else in retirement gets better.