 just like it is if it's all in retirement accounts. Taxes are always a big deal. And then showed them some different ideas on how they could create more certainty around their income strategy. And then now they're coming in for their second visit. So if you listen to this, Tommy, we're going to give you a little prelude to what you're going to experience here as you sit back down with your advisor. We sat down as a team here at Howard Bailey, which we do every Monday, and we put multiple eyes on this plan and came up with different strategies and ideas for