 everything takes a nosedive like you said you'll be okay and you'll be able to uh never outlive your income you'll always have plenty of money for health care issues or even to leave a legacy whatever the case may be but it all starts with having a plan and sad to say when we we have met with people that um we have to have very frank conversations you know we've created the plan but we only can work with what we're given and so if uh somebody you know there's