How are they set up? What are they doing where they could actually run out of money based on portfolio composition?

I mean, two easy ones right off the bat.

Uh, I mean, the risk level is too high.

If the market order drop, portfolio is going to drop with it.

How long is it going to take for it to recover? Are you pulling money out during that recovery period? That's the easiest thing.

And then second, overexposure, whether it's one individual equity, whether it's one section of the market itself.

And then how do you combat those things? How do you diversify the portfolio from there?

And then the scary surprise, and I know you had this week before last, was a client who had saved really well in their 401k, and you were projecting what their RMDs were going to be.