text:  Nick, like we were talking about previously, we're in a fortunate situation being able to work with clients from all walks of life, blue-collar folk, I mean, self-employed, maybe people that have inherited money, maybe people that just did the right thing all the way along, maybe people who are already retired, and maybe they want to maximize the efficiencies of certain items, right? But a lot of times out of these conversations, there's the numbers, right?