 Like they want to know if they could retire tomorrow, could they afford it? Or if there was a major shakeup in their department that they could quit tomorrow. That's really what they're coming to us to understand their options. And that's where the financial planning is so important in that decision. And once we understand that about them, then we will encourage them to have money ready to spend. And therefore, if the markets are volatile, it should not impede your ability to retire. You should be able to still quit