It's about prudent planning and planning.

Look, there's no embarrassment.

Our role is not to judge.

Our role is to provide guidance.

That's what we do.

Okay.

So you're not going to get judged when you come in here because you haven't planned or you're in retirement and you need an update or you haven't planned at all, even though you've already retired or you're coming up on retirement or wherever you are in that process.

Not necessarily.