 I think it comes down to just a realistic conversation. Where are you at now? Where do you want to be? How do we plot that path from point A to point B? There are no miracles. There is no magic cure. There's not the magic beanstalk that goes straight up to retirement nirvana or anything like that. It's diligence and it's patience and it's lots of hard work and planning. But it all starts with a phone call.