 And as we always say, you know, risk is, it's like the bus, you never see the bus that hits you. Risk is usually something that comes out of somewhere that you weren't expecting it. Well, the big risks are, there are some you can manage for, and we try to, but yeah, there's the one that really gets you is the one that you could not have planned for or didn't see coming. Carl Richards, who is a famous financial planner in our industry. Is he the napkin guy?