 Hi, it's Rick Jensen, client of Dan White, retirement consultant specializing in retirement income, along with Frank Edwards, having a conversation with Frank and Dan. So Frank, when you sit down with Dan at one of your twice a year appointments, what do you ask him? I want to know how my money's doing. How do I protect my money to know that I'm going to be able to retire and enjoy my retirement? So when a client asks you something like this, Dan, what are you thinking about while you're actually working on the plan for them?