 your victory. That's a great way to put it. Actually, a great phrase. Tell me about the no-go years. And you shared the example of a very special client earlier in our show. What's typically happening at this point in retirement? Well, number one, making sure that the client is very, very well cared for. And once that's done, what we're looking at is potentially the legacy type of strategies. How do you get the funds to the next generation in the most tax-efficient manner possible?