text:  registered investment advisor side of what we do, which is Tree City Advisors of Apollon. And that side of the world is where we're working with clients. It's where we're doing financial planning. It's where we're developing strategies. So now we're getting in the conversation of, we've already talked about earlier in the program, all the emotions that are on the side of this, which can be hard conversations to have. And then you actually have the true numbers, whether it's savings or investing or spending or