 Then, of course, we have to look at risk. And what is the appropriate level of risk today? But maybe more importantly, what is the appropriate level of risk for each different account? So likely some accounts should be super aggressive and have growth stocks, but other accounts should maybe be income focused and not so aggressive. And some accounts might not be risky at all because I'm going to need income in the next five to 10 years. So we do a risk plan. Then, of course, tax efficiency. Are we being as tax efficient today? Do we have the right investments in the right accounts? And are we looking towards the future?