 You know, and a couple things that I think that Kathy would certainly benefit by sitting down with you, 479-777-8966, is her goal is to have a million dollars. She may not need a million dollars to be able to retire. And what about the emergency funds of your clients? I mean, some want to have $100,000 in their checking account. Some, like, I got $1,000. I'm good. I mean, everybody looks at this a little bit differently, don't they?