 level head, non-emotional approach. And that's why hiring a professional advisor, if you don't have one, or you might have a 401k, which they have limited options and you may not be able to do a lot with that, but they don't really have active management with 401k plans. Well, I'm glad you brought that up. And the reason why is in my mind, I've been thinking, because you also help people who may not necessarily already have a retirement plan. You'd like to help them with starting with that.