 Right. There's so many things that go into deciding when you can take your Social Security benefits. And it's not just as easy as waiting until you're seven years old. But James, that's why it's important for our listeners to understand why they should work with an income specialist, because an income specialist is going to help them be able to maximize those benefits and custom make a plan for them, just like you mentioned, because of all those different things that go into it.