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Well, were so glad everybody can be with us today on our podcast. Today on the podcast that comes out on Wednesday, its always focused on retirement in action. And we really think about that from taking maybe things that we have in our practice, or maybe the last interview that we just went through and trying to say, How do we actually put that into action? In fact, one of the things that Murs and I talk about all the time is that we want to have a retirement plan that looks at the whole picture. Well, how do you look at the whole picture? How do you put all that together? Murs, in our partnership, hes the one who really does a lot of the planning when it comes to that retirement plan that deals with the actual income. So Murs, can you just give us a little bit of an idea about kind of what that does for somebody, having that kind of program and what itll give him in action so they can put it into place? Yeah, yeah. The beauty of their retirement inco