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The plan involves increasing investment risk within Mrs. Franklin's risk tolerance by raising her 403B deferral and refinancing the mortgage. This strategy aims to leverage various actions to achieve financial goals. By adjusting portfolio allocations and deferrals, returns can potentially improve. Shifting to a more conservative allocation during distribution and increasing monthly 403B contributions, along with refinancing the mortgage, can lead to a mortgage-free status by age 67. Alternative B is going to be a multi-step process. You're going to increase your investment risk, but it's still going to be consistent with your risk tolerance. You're going to increase Mrs. Franklin's monthly 403B deferral and refinance the mortgage. And this is going to give you leverage on a couple of levels. The goal is going to be achieved by several different actions happening. So by reallocating the existing 401K and 403B portfolios and future deferrals to a more moderate conservative allocation during the accumulation period, it's going to improve your returns in theory. We're going to change to a conservative allocation during the distribution period to be a little bit more risk-averse. Also, we're going to defer an additional $658 monthly into the 403B plan for Mrs. Franklin and refinance the mortgage with a 15-year mortgage loan so that when you reach age 67, by that point, your mortgage will be paid off.