 if we make some adjustments today and start doing some planning today then we're going to be able to get bob into retirement by january of next year he could actually retire now but hey we're we're going to stick it out with bob we're going to get on medicare make sure they feel really good and so one of the first things we do when you come in to visit with us we're going to identify these goals identify why they're important to you what do you want to accomplish why do you want to accomplish it