text:  So, you know, to me, Jerry Seinfeld's comment, I mean, I know he's kind of joking around about it because it gives some material. But the reality is the very nature of our business is kind of having these conversations ahead of time, right? Where everybody's talked about how much money they think they need and they think that's really where the starting point is for retirement. But for us, the starting point really for retirement is that, hey, guys, you know what?