 Absolutely. So when someone comes in, I think the biggest thing is just to go over what they currently have set up because most of the time people will take out a life insurance policy and they won't review it for how many years. So we just have to figure out what you have going on and then going forward, is it going to fit your needs in retirement? So review what we have and then see if there's any way we can improve that. And that's what we lay out in the written plan for people.