 is you'll sit down with your clients and have these conversations about you know what what do you want to do what what does your retirement look like what are your goals your dreams your hopes and and you write down that even a date you know when you want to take a big trip you've gone through that a lot here on the radio with us and kind of explained how that process looks are you hearing those words are people actually using those words is it like coming up with something else that maybe kind of relates to that