 No one wants to think about it, no one wants to hear about it, but it is the larger risk of growing over $100,000 a year. Do you have legal tools, things like asset protection trusts? Have you explored different options? We're not talking about long-term care insurance, we're talking about legal tools and other options that can help shield against this huge risk that can make a huge difference to your surviving spouse and then ultimately your kids. Once that's together, those are the four pillars of our roadmap. We build our income tent that breaks down how much money you'll have left in 25 years.