Yeah

... is it's not done enough, and that's where we add value.

So, like, from a, on the private bank side, from a personal perspective, we certainly, and today we had an example, where we collaborate with a branch in doing a financial plan and helping it, some business owner just kind of like think about things that he's thinking about, you know, what he has out there, and, and what liquidity planning can be like.

It's never too late to start planning.

It could get harder a little later on.

It's never too early either.

Mm.

Are you gonna sell it to a partner? Like, think about that, right? Build that brand, and then think about the next steps.