 Yeah, I think you're right there, Manny. And I mean, and we've definitely talked a lot today about missteps, what to do, what not to do. And I think the key to take away from this is that what you did to get to retirement is not what's going to keep you in retirement. Retirement's a journey. There are many different paths you can take to get to the end, but getting the right guide or team to help you choose that path for you is the difference between an arduous journey and an experience of a lifetime.