 aspects that we're having to look at because we want to make sure that if we have another 2008, you're not going to get toasted on that. We don't want to lose half of your money like what happened in 2008. So that's what we do with the investment part of the plan. And one of the biggest, most underlooked, but people are starting to pay more and more attention to it, is the tax plan. And the lion's share of all the money that has never been taxed, well, it's just sitting there in retirement accounts.