 So some of the advice that we provide them will be, for example, to roll over some portion of your assets to an IRA at a brokerage firm. And that way they can have some control over not just how it's invested, but how it's withdrawn, which assets to sell when. And that's very helpful in the long term. Right. And maybe on that note, comment on the efficacy of a Roth plan for some of that. Yes. Thank you, Tom.