 And everybody is so different when it comes to this. Some people treat certain things as a non-discretionary expense, while other people may look at it and say, no, for me, that's discretionary. And so those are some of the conversations I have with clients is like, what's the most important thing to you? And let's stack these goals as far as importance and make sure the most important ones are funded and we don't have any issue funding those goals. And then