Yeah.

I, yeah.

I mean, it's funny.

I actually didn't have a beard like this when I did it, but I had a beard more like yours, but, but that was, you know, more cool in the, uh, you know, two thousands when I was doing it.

Okay.

Yeah.

Yeah, made a couple of goes.

straight out of the rock band though straight into retail and clothing and

[laughs]

... um, my last role I was, uh, and I was self-employed.

It was a 1099.

But I was contracted to the, um, the CTO of the state of Michigan as an architect, a technology architect for several years.

And obviously that was quite different for a lot of reasons.

But I guess I would say that like, yeah, it was, I did, I did websites.

The retail was- Uh, for a while my wife was making, um, candles.

Can you define that for the audience, the differences?

purpose at the right time for the right family.

Classically, obviously, you had things like UGMA accounts.

So that's an account that you can put money into for a child.

And by the way, it doesn't have to be your children.

You can open an UGMA for the benefit of any child in the United States.

UGMA? UGMA, Universal Gift to Minors Act.

Okay.

IULs over whole life usually because of that concept