 I think there's some people who don't understand how life insurance can be an asset going into retirement. So can you explain that a little bit for someone who's wrestling with the concept of do I even need it beyond a certain point? Yeah, I think the first thing that we really have to do is assess where you're at. So if you're trying to really struggle with and wrestle with maybe you're self-helping a little bit or doing it DIY, doing it yourself, and you're not sure really where to go, this is why we have to look at all the pieces together