 in addition to what we put together for them, their income plan and their safety and security, because the brokerage account keeps their mind moving so they can constantly be researching. And when people don't do anything in retirement, they pass away. That's what happens if you don't have anything to look forward to. So, no, not a bad thing to have a personal brokerage account and run some ideas by me every now and then, but you've got to have that safety and security from a lifetime income first, and then you can take that gamble second.