And then Caitlin, did you have something?

Yeah, Alex, there was always a gap, uh, be- between when you would retire and when you would colle- collect your full pension.

Now, they do pay you an interim pension that's about 75% of your benefit, and then they go back and lump sum refund you for all of the money that they didn't pay you during that interim period.

But to James' point, you know, that, that I've seen similar.

Um, it used to be we were really, for a long time it was about a month, maybe two.

We always quoted three to six months because that is the standard kind of timeframe, but it was closer to one to three months, to James' point, now six-plus months, uh, we're seeing regularly with folks who are retiring.

So, you know, the, the, the thought process there is build a, build some sort of cash buffer to lean on, maybe do some planning around that annual leave cash out as well, um, to sort of bridge the gap there, 'cause it, it may be a while before you get your full, you know, your full force pension check.

So Caitlin, how do people use a barometer for how they can live off of that retirement, but then not be overly aggressively spending so that when they're much further advanced in their years, they're going to then regret that they started to travel at 65, or they, they, you know, lived high on the hog? How do you, how do you typically advise people to, um, keep a steady flow of how they're using their funds that they worked so hard to build up over the years?