 The second best time is today. It's now. And so what can we do to get you on the right track? And while our clients, what they really appreciate about us is not only the detail of our process and the professionalism and the expertise that we have, but it's also just being honest and telling the truth. And they want to know, hey, I would like to go on that $100,000 vacation this year. Well, maybe we should dial it back to $50,000 because here's what that could look like.