 You know, whatever the case may be, or, hey, you wanted to take that $50,000 vacation, you know, you could actually, you know, go first class, and this is how you would do that. So being able to have that kind of freedom, it all comes from having a plan. If we don't have a plan, we can't make these recommendations. Well, let me put it this way. If you don't have a plan, you're like a ship without a rudder.