 We're talking about preventative care as it pertains to retirement income planning. Number three on the list, Jonathan, is I'm going to be embarrassed about how much I don't understand. And again, it's that apprehension that sometimes keeps us from the prosperity. And that's a lot of reasons why people don't come into our offices. They don't feel like they know the answer. If we're going to ask them questions, they don't know how to solve that, and they might be embarrassed. But that's the majority of people that come into our office. They need help.