 Talking today with James Haidt here on the Victory Retirement Hour. And I'm Amy Sharp. Glad to have you along for our show today. We're going through the three stages of retirement. You know, you might not need long-term care in this second stage of retirement, but when is a good time, James, to start planning ahead for that if you think you might? Well, it all comes back to that old Chinese, ancient Chinese saying, when is the best time to plant a tree?