text:  Like when we're implementing plans with clients, we always call it a draft meeting. It's the rough draft. It's the first version of this plan because life changes, let's face it. So for this person that you were just referencing, maybe the plan needs to be you increase your income for a certain number of years. But then when you can get those boxes checked off, maybe once they're into the home, they've got the down payment, the credit card paid off, the down payment saved,