Explain what we're talking about and why.

If you took a look at the demographics...

The number of people who are, I'll call them pre-retirees, in the last five years of their work life are beginning to look at that magic age, call it 65 or whatever, and they are all going to be leaving the workforce.

Most of the businesses have been dependent upon them over the years for their developed expertise.

Maybe it's the clients who they've built as part of their financial wealth management company.

Maybe it's the expertise they have in a particular technology.

Maybe they're great salespeople, but whatever they are, it's complicated.

Is it for organizations, for individuals? Yes.