 Well, again, it's where you are in the cycle. And so if you are 50, 55, 60, you're approaching retirement, you're getting ready to leave that accumulation phase of life and transition into the distribution phase of life. And the distribution phase has different rules. It has different needs. It has different levels of expertise that somebody's needed. Getting the plan should be the thing that you're worried about. If you're worried about the presidential election,