 I will tell you, statistically speaking, 40% of people actually underestimate what they're spending because we, for the most part, we use plastic and we're not really using quote unquote a budget. And by the way, that word budget is kind of a swear word. And so we really try to emphasize with our, certainly with our clients, but our prospective clients that, you know, let's call it a retirement cashflow. And it's not designed to restrict your spending. It's, it's literally designed to give you and I both permission to spend your money.