 for growth over time. Now, let me give you an example of what I'm talking about here. When it comes to retirement, let's talk about income. Retirement is about income. So you can do what? Enjoy your family, enjoy your vacations. You can live your values. You can do the things you want to do. A real common term we hear now is live like you want to and give like you want to. That's great. And that's absolutely what we need to do. Well, here's how you do that. It takes income. It takes cashflow.