 They're all good plans. I mean, there's nothing that's going to really mess somebody up too bad. But they're a plan that may be better for you than another one. Right. And you don't know. I said this earlier. You don't know what you don't know. Exactly. And we've said that many, many times on this show. And it's so true. And here's the thing, though. It's all about having the conversation with somebody who's educated like you so you can give that person that's sitting across the table from you or on the phone or however you're going to meet with them now advice.