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Now I mentioned boomers. In the boomer retirement plan, they have a challenge. And what could that challenge be? The boomers challenge, for many boomer retirees is, they don’t have the pension. They have social security. Perhaps they have some defined sources of income that they can use for their retirement plan. Their challenge is actually to fill an income gap for an unknown amount of time with a set amount of money. And a lot of the risks that we have to address in our retirement income planning will perhaps create a roadblock, or perhaps if we address those risks and issues, create opportunity for us to plan properly for our retirement as boomers.