 you owe it to yourself to have a plan. I believe everybody should have a plan, so they never have to worry about, am I going to be okay? And we really just want you, as we say here at Victory Wealth Services, to live your victory. James, thank you so much. Great insight today, as always. And thank you to our listeners. Reach out to the team here at Victory Wealth Services and live your victory, like James just mentioned. And we will see you right back here next week for the Victory Retirement Hour.