 There are things that need to be done when it comes to planning. Let's take a look. Let's come up with a plan for the year. It's a system of checks and balances. The first thing you do is you come up with a plan, which advisors should be doing and explaining it to clients at the beginning of the year. Then you should do kind of a health check in the middle of the year. Okay, how have we done? Are we doing better than we thought we would do or worse, or are we on par? Markets are very difficult. You can't predict where they're going to be six months from now. You just have to use the data that you have in hand and come up with an actively managed plan to do that.