Photo of Lotus Do, Clinical Social Work/Therapist in 94609, CA
Lotus Do
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Oakland, CA 94609  (Online Only)
Feeling overwhelmed or hopeless? Facing a crossroads? Exhausted by endless responsibilities? Relief may seem impossible when you are faced with chronic stress or extreme difficulties... but it is possible. My name is Lotus and I may be able to help. I am a Licensed Therapist and Gender Specialist with nearly a decade of experience specializing in Gender Dysphoria, complex trauma, depression, anxiety and disordered eating across the entire lifespan. Whether you are seeking support for you or your child, no topic is "too much" for me. I have supported hundreds of children and their families and adults build balanced, joyful lives.
Feeling overwhelmed or hopeless? Facing a crossroads? Exhausted by endless responsibilities? Relief may seem impossible when you are faced with chronic stress or extreme difficulties... but it is possible. My name is Lotus and I may be able to help. I am a Licensed Therapist and Gender Specialist with nearly a decade of experience specializing in Gender Dysphoria, complex trauma, depression, anxiety and disordered eating across the entire lifespan. Whether you are seeking support for you or your child, no topic is "too much" for me. I have supported hundreds of children and their families and adults build balanced, joyful lives.
(619) 383-3284 View (619) 383-3284
Photo of Dax Glasson-Darling, Associate Clinical Social Worker in 94609, CA
Dax Glasson-Darling
Associate Clinical Social Worker, ASW, MT-BC
Verified Verified
1 Endorsed
Oakland, CA 94609  (Online Only)
I am an associate social worker and board-certified music therapist. I aim to provide therapy that is anti-racist, accessible, queer affirming, sex and body positive, kink aware, trauma informed, and accepting of all relationship styles. My current focus is providing individual teletherapy to LGBTQIA2S+ adults experiencing life transitions and wanting to heal from trauma, depression, and anxiety. I am also passionate about working with people who are exploring sexuality, gender expression, and gender identity. I am able to provide letters for gender-affirming medical services if that is a part of your journey.
I am an associate social worker and board-certified music therapist. I aim to provide therapy that is anti-racist, accessible, queer affirming, sex and body positive, kink aware, trauma informed, and accepting of all relationship styles. My current focus is providing individual teletherapy to LGBTQIA2S+ adults experiencing life transitions and wanting to heal from trauma, depression, and anxiety. I am also passionate about working with people who are exploring sexuality, gender expression, and gender identity. I am able to provide letters for gender-affirming medical services if that is a part of your journey.
(510) 680-2176 View (510) 680-2176
Photo of Patricia Banchik Rothschild, Marriage & Family Therapist in 94609, CA
Patricia Banchik Rothschild
Marriage & Family Therapist, LMFT, CMHIMP
Verified Verified
1 Endorsed
Oakland, CA 94609
Waitlist for new clients
I also work with children , teenagers and adults who are suffering from depression and anxiety.
My experience comes from 31 years of helping children, adults, couples and families in both Community Mental Health and Private Practice. My approach is eclectic and tailored to each individual's needs to facilitate healing and growth. Through my years of experience I have witnessed over and over again people coming into therapy with great pain, discomfort and despair but with time, (sometimes within a very short time) their symptoms diminish and a whole new person emerges. Crisis times can be extremely painful and distressful but they can also be opportunities for growth and healing through therapy.
I also work with children , teenagers and adults who are suffering from depression and anxiety.
My experience comes from 31 years of helping children, adults, couples and families in both Community Mental Health and Private Practice. My approach is eclectic and tailored to each individual's needs to facilitate healing and growth. Through my years of experience I have witnessed over and over again people coming into therapy with great pain, discomfort and despair but with time, (sometimes within a very short time) their symptoms diminish and a whole new person emerges. Crisis times can be extremely painful and distressful but they can also be opportunities for growth and healing through therapy.
(510) 403-8151 View (510) 403-8151
Photo of Janine Sandler, Clinical Social Work/Therapist in 94609, CA
Janine Sandler
Clinical Social Work/Therapist, LCSW
Verified Verified
2 Endorsed
Oakland, CA 94609
Change, healing and growth are no small tasks. I know this first hand and am here to help others find their own success overcoming the pain and obstacles they encounter throughout life. I work collaboratively with individuals to identify sources of stress, discover unsuccessful patterns, embrace difficult feelings and develop both internal and external resources for getting to where they want to go. I hope to foster greater self-awareness, acceptance and compassion in all of my clients. I work most frequently with adults struggling with depression, general anxiety, social anxiety, trauma, grief/loss and life transitions.
Change, healing and growth are no small tasks. I know this first hand and am here to help others find their own success overcoming the pain and obstacles they encounter throughout life. I work collaboratively with individuals to identify sources of stress, discover unsuccessful patterns, embrace difficult feelings and develop both internal and external resources for getting to where they want to go. I hope to foster greater self-awareness, acceptance and compassion in all of my clients. I work most frequently with adults struggling with depression, general anxiety, social anxiety, trauma, grief/loss and life transitions.
(510) 306-7192 View (510) 306-7192
Photo of Zvi Bellin, Counselor in 94609, CA
Zvi Bellin
Counselor, PhD, LPCC
Verified Verified
5 Endorsed
Oakland, CA 94609  (Online Only)
Struggle in your life, relationships, and family can provide surprising opportunities to cultivate resilience, connection, and meaning. Working with me is a collaborative process. I work with individuals, couples, and families to develop a framework that fosters nourishing joy and holistic health. I welcome clients who experience social/racial marginalization. If you struggle with communication, satisfaction, depression, meaning, or difficulty in life transitions, you will find resonance with my mindfulness-based and narrative approach. I work best with clients who seek to ease suffering and aim for transformation.
Struggle in your life, relationships, and family can provide surprising opportunities to cultivate resilience, connection, and meaning. Working with me is a collaborative process. I work with individuals, couples, and families to develop a framework that fosters nourishing joy and holistic health. I welcome clients who experience social/racial marginalization. If you struggle with communication, satisfaction, depression, meaning, or difficulty in life transitions, you will find resonance with my mindfulness-based and narrative approach. I work best with clients who seek to ease suffering and aim for transformation.
(510) 924-0291 View (510) 924-0291
Photo of Sylvia Wenninger, Marriage & Family Therapist in 94609, CA
Sylvia Wenninger
Marriage & Family Therapist, MA, LMFT
Verified Verified
4 Endorsed
Oakland, CA 94609
Waitlist for new clients
If you feel stuck -- whether it's the loneliness of an unfulfilling relationship, the dark hole of depression, or the bewilderment of grief -- I would welcome the chance to connect with you. In my fifteen years of practice, I have helped clients to emerge renewed from some of life's hardest places.
If you feel stuck -- whether it's the loneliness of an unfulfilling relationship, the dark hole of depression, or the bewilderment of grief -- I would welcome the chance to connect with you. In my fifteen years of practice, I have helped clients to emerge renewed from some of life's hardest places.
(415) 799-4207 View (415) 799-4207
Photo of Anna M Musco, Marriage & Family Therapist in 94609, CA
Anna M Musco
Marriage & Family Therapist, MA, LMFT
Verified Verified
Oakland, CA 94609
Damaged relationships with the world and our families can affect us deeply throughout our lives leaving us feeling isolated, uncomfortable in our bodies and generally unsafe. Our energy begins to decline along with our enthusiasm for life. Its confusing. We quietly stonewall everything and everyone while wishing for the right partner, right career and right friends. Feelings of insecurity, loneliness or shame can spiral into deep bouts of depression, acting out, despair and suicide. Prioritizing the needs of everyone else can lead to unhealthy behaviors and choices supplanting authenticity and joy, while swapping virtual reality for real relationships and happiness.
Damaged relationships with the world and our families can affect us deeply throughout our lives leaving us feeling isolated, uncomfortable in our bodies and generally unsafe. Our energy begins to decline along with our enthusiasm for life. Its confusing. We quietly stonewall everything and everyone while wishing for the right partner, right career and right friends. Feelings of insecurity, loneliness or shame can spiral into deep bouts of depression, acting out, despair and suicide. Prioritizing the needs of everyone else can lead to unhealthy behaviors and choices supplanting authenticity and joy, while swapping virtual reality for real relationships and happiness.
(510) 466-1346 View (510) 466-1346
Photo of Grace Cain, Marriage & Family Therapist Associate in 94609, CA
Grace Cain
Marriage & Family Therapist Associate, MA
Verified Verified
1 Endorsed
Oakland, CA 94609  (Online Only)
If you are feeling lost, broken, overwhelmed, or in need of something more from your life, therapy can help reconnect you to yourself. I provide depth-oriented psychotherapy to couples, adults, and teens online in California. I enjoy supporting people who feel stuck due to depression, anxiety, and distress related to past and present trauma. I also work with couples seeking to build or re-build safety, trust, authentic communication, intimacy, and a deeper understanding of each other. I have experience working within the LGBTQI+ community and welcome people who occupy non-conforming gender and sexual identities.
If you are feeling lost, broken, overwhelmed, or in need of something more from your life, therapy can help reconnect you to yourself. I provide depth-oriented psychotherapy to couples, adults, and teens online in California. I enjoy supporting people who feel stuck due to depression, anxiety, and distress related to past and present trauma. I also work with couples seeking to build or re-build safety, trust, authentic communication, intimacy, and a deeper understanding of each other. I have experience working within the LGBTQI+ community and welcome people who occupy non-conforming gender and sexual identities.
(510) 330-0036 View (510) 330-0036
Photo of Estepha Francisque, Clinical Social Work/Therapist in 94609, CA
Estepha Francisque
Clinical Social Work/Therapist, LCSW
Verified Verified
Oakland, CA 94609
A strong therapeutic connection can carry us through trauma, family issues, depression, anxiety, or any other pressing issues.
I do free consultations with clients and instant online scheduling because getting help shouldn't wait for a call back. I am here for you, to walk along side you or your family through the toughest moments. We will laugh together, cry together, and heal together. Most importantly, we will grow together.
A strong therapeutic connection can carry us through trauma, family issues, depression, anxiety, or any other pressing issues.
I do free consultations with clients and instant online scheduling because getting help shouldn't wait for a call back. I am here for you, to walk along side you or your family through the toughest moments. We will laugh together, cry together, and heal together. Most importantly, we will grow together.
(415) 326-7312 View (415) 326-7312
Photo of Lucy Collier, Marriage & Family Therapist in 94609, CA
Lucy Collier
Marriage & Family Therapist, MA, MFT
Verified Verified
Oakland, CA 94609
Waitlist for new clients
I am a psychotherapist in private practice in the East Bay since 1996. I offer a non-judgmental therapeutic relationship where individuals, couples or families can find self acceptance, safety, access insight and intuition, and cultivate an attitude of kindness toward the self and others. Recovery from trauma, working on communication and relationships, overcoming addiction, spiritual self-development and healing, and coping with depression/stress from major life transitions are common themes. I have taught and supervised therapists in training at various local agencies. I also have a background in holistic and shamanic healing.
I am a psychotherapist in private practice in the East Bay since 1996. I offer a non-judgmental therapeutic relationship where individuals, couples or families can find self acceptance, safety, access insight and intuition, and cultivate an attitude of kindness toward the self and others. Recovery from trauma, working on communication and relationships, overcoming addiction, spiritual self-development and healing, and coping with depression/stress from major life transitions are common themes. I have taught and supervised therapists in training at various local agencies. I also have a background in holistic and shamanic healing.
(510) 403-8133 View (510) 403-8133
Photo of Guillermina Gigi Valdes-Huckabee, Marriage & Family Therapist in 94609, CA
Guillermina Gigi Valdes-Huckabee
Marriage & Family Therapist, LMFT
Verified Verified
2 Endorsed
Oakland, CA 94609  (Online Only)
Welcome to a space where we together can co-create the healing that you need. I have 20 years of experience as a psychotherapist and recently implemented a more holistic approach by adding intuitive healing, reiki and massage therapy. Whether you dealing with depression, anxiety, panic, phobias, obsessions, life transitions, spiritual issues, attachment issues, trauma (recent or childhood), relationship issues, or other environmental stressors (political, financial, housing, racial or other) . My passion is to help individuals heal trauma. I understand your pain. Let me meet you where you are and support your healing.
Welcome to a space where we together can co-create the healing that you need. I have 20 years of experience as a psychotherapist and recently implemented a more holistic approach by adding intuitive healing, reiki and massage therapy. Whether you dealing with depression, anxiety, panic, phobias, obsessions, life transitions, spiritual issues, attachment issues, trauma (recent or childhood), relationship issues, or other environmental stressors (political, financial, housing, racial or other) . My passion is to help individuals heal trauma. I understand your pain. Let me meet you where you are and support your healing.
(510) 907-6756 View (510) 907-6756
Photo of Britt Gunnison, Psychologist in 94609, CA
Britt Gunnison
Psychologist, PsyD
Verified Verified
1 Endorsed
Oakland, CA 94609
Beginning therapy and reaching out for help can be an overwhelming and even scary process. So thank you for taking the first step toward getting the help and support you deserve. My approach is very relational in nature and I strive to create a safe and judgement-free space for all clients. Trust and relief do not often happen immediately in therapy. After some time of letting me come to know your story, though, we will develop a relationship that will help to empower your inner strength, expand your capacity for compassion, and support you in healing traumas that are impacting your overall health and quality of life.
Beginning therapy and reaching out for help can be an overwhelming and even scary process. So thank you for taking the first step toward getting the help and support you deserve. My approach is very relational in nature and I strive to create a safe and judgement-free space for all clients. Trust and relief do not often happen immediately in therapy. After some time of letting me come to know your story, though, we will develop a relationship that will help to empower your inner strength, expand your capacity for compassion, and support you in healing traumas that are impacting your overall health and quality of life.
(415) 322-5374 View (415) 322-5374
Photo of Annaliese Taylor, Marriage & Family Therapist in 94609, CA
Annaliese Taylor
Marriage & Family Therapist, LMFT
Verified Verified
1 Endorsed
Oakland, CA 94609
I am passionate about helping couples and individuals uncover the source of their emotional suffering and identify new strategies for adjusting to painful life events. I am concerned with the way our significant relationships, both early-on and in adulthood, impact how we experience the present. I collaborate with couples to identify unmet attachment needs driving disconnection in relationships and facilitate expression of these needs so partners can reconnect and feel secure in their relationships. My work with individuals promotes self-acceptance and value-driven action.
I am passionate about helping couples and individuals uncover the source of their emotional suffering and identify new strategies for adjusting to painful life events. I am concerned with the way our significant relationships, both early-on and in adulthood, impact how we experience the present. I collaborate with couples to identify unmet attachment needs driving disconnection in relationships and facilitate expression of these needs so partners can reconnect and feel secure in their relationships. My work with individuals promotes self-acceptance and value-driven action.
(628) 232-3889 View (628) 232-3889
Photo of Beth Hayes, Marriage & Family Therapist in 94609, CA
Beth Hayes
Marriage & Family Therapist, PsyD, MFT
Verified Verified
2 Endorsed
Oakland, CA 94609
Finding a therapist that you connect with can be a daunting task. Making connections is one of my strengths. I have the utmost respect for each person seeking therapy and for the therapeutic process itself. Whether you are struggling, going through a transition, or looking to better understand your inner world our work can help you achieve new levels of awareness. My style is warm and non-judgmental. We can work together to uncover and understand how your unique individual life experiences shape how you feel and live. Together we can strive to make meaning, increase awareness, and minimize suffering.
Finding a therapist that you connect with can be a daunting task. Making connections is one of my strengths. I have the utmost respect for each person seeking therapy and for the therapeutic process itself. Whether you are struggling, going through a transition, or looking to better understand your inner world our work can help you achieve new levels of awareness. My style is warm and non-judgmental. We can work together to uncover and understand how your unique individual life experiences shape how you feel and live. Together we can strive to make meaning, increase awareness, and minimize suffering.
(415) 423-2344 View (415) 423-2344
Photo of Erin B Harrell, Psychologist in 94609, CA
Erin B Harrell
Psychologist, PsyD
Verified Verified
4 Endorsed
Oakland, CA 94609
Our society often moves fast, and it is easy to get caught up and not allow the time to address the thoughts and emotional reactions that may emerge with challenges and changing life circumstances. With over 10 years of experience serving individuals across the lifespan, I provide an affirmative space for individuals to explore areas in their life where they would like to see growth and change. I also value the opportunities to notice areas of life that feel fulfilling, to explore strengths and reflect on positives. My style is warm and thoughtful. and interactive.
Our society often moves fast, and it is easy to get caught up and not allow the time to address the thoughts and emotional reactions that may emerge with challenges and changing life circumstances. With over 10 years of experience serving individuals across the lifespan, I provide an affirmative space for individuals to explore areas in their life where they would like to see growth and change. I also value the opportunities to notice areas of life that feel fulfilling, to explore strengths and reflect on positives. My style is warm and thoughtful. and interactive.
(510) 400-4990 View (510) 400-4990
Photo of Eric J Young, Marriage & Family Therapist Associate in 94609, CA
Eric J Young
Marriage & Family Therapist Associate, AMFT, APCC
Verified Verified
1 Endorsed
Oakland, CA 94609
It is easy to feel stuck, confused, or overwhelmed, when dealing with the many challenges that life throws at you. Often there is not a quick and easy solution when dealing with life's more complex challenges, however having a supportive ally throughout the twists and turns can make all the difference. I am committed to supporting people who have experienced oppression, trauma, or other difficult experiences. Figuring out how to live one's life with a sense of meaning, satisfaction, and authenticity can be difficult, and I am here to support you on that journey.
It is easy to feel stuck, confused, or overwhelmed, when dealing with the many challenges that life throws at you. Often there is not a quick and easy solution when dealing with life's more complex challenges, however having a supportive ally throughout the twists and turns can make all the difference. I am committed to supporting people who have experienced oppression, trauma, or other difficult experiences. Figuring out how to live one's life with a sense of meaning, satisfaction, and authenticity can be difficult, and I am here to support you on that journey.
(628) 203-0512 View (628) 203-0512
Photo of Sally Walstrom, Clinical Social Work/Therapist in 94609, CA
Sally Walstrom
Clinical Social Work/Therapist, LCSW
Verified Verified
Oakland, CA 94609
You feel like something is off. You’re feeling overwhelmed, burnt out, disconnected, stuck. You want to understand your own reactions, build healthy and sustaining relationships, feel grounded and present in your day to day life. I can help! With over a decade of experience, I provide LGBTQIA-affirming and trauma-responsive therapy for youth, adults, and families. Using evidence-based techniques like expressive arts, somatics, and dialectical behavioral skills, I support people finding meaning and connection after trauma and chronic stress.
You feel like something is off. You’re feeling overwhelmed, burnt out, disconnected, stuck. You want to understand your own reactions, build healthy and sustaining relationships, feel grounded and present in your day to day life. I can help! With over a decade of experience, I provide LGBTQIA-affirming and trauma-responsive therapy for youth, adults, and families. Using evidence-based techniques like expressive arts, somatics, and dialectical behavioral skills, I support people finding meaning and connection after trauma and chronic stress.
(510) 764-3070 View (510) 764-3070
Photo of Kay (Karen) McGee, Clinical Social Work/Therapist in 94609, CA
Kay (Karen) McGee
Clinical Social Work/Therapist, LCSW
Verified Verified
Oakland, CA 94609
There are elements to all of us that are hidden and unknown until we encounter right timing. It is important to uncover these secret parts of self, yearning to be discovered, with the right support. A few things you should know about what it's like to work with me: My style is warm, witty, compassionate + forthcoming. I value transparency, kindness, justice + joy. I'm directive when called for + I like to challenge my clients to go deep. I draw from my own experience of trauma + healing.
There are elements to all of us that are hidden and unknown until we encounter right timing. It is important to uncover these secret parts of self, yearning to be discovered, with the right support. A few things you should know about what it's like to work with me: My style is warm, witty, compassionate + forthcoming. I value transparency, kindness, justice + joy. I'm directive when called for + I like to challenge my clients to go deep. I draw from my own experience of trauma + healing.
(305) 902-6845 View (305) 902-6845
Photo of Claire Perelman, Clinical Social Work/Therapist in 94609, CA
Claire Perelman
Clinical Social Work/Therapist, LCSW, PPSC
Verified Verified
1 Endorsed
Oakland, CA 94609
You deserve to feel deeply connected to yourself, your partner(s), and the world around you. I’m here to help. Talking about sex with your partner - or anyone - might feel like a daunting task. Having sex might feel difficult, impossible, or like too much effort - or lead to conflict with your partner. You might be questioning your sexual desires or wondering if you and your partner are still compatible. I help clients overcome their sexual and relational difficulties to feel confident in and outside the bedroom. Together, we will collaborate on how to help you reach your goals, through therapy sessions and home assignments.
You deserve to feel deeply connected to yourself, your partner(s), and the world around you. I’m here to help. Talking about sex with your partner - or anyone - might feel like a daunting task. Having sex might feel difficult, impossible, or like too much effort - or lead to conflict with your partner. You might be questioning your sexual desires or wondering if you and your partner are still compatible. I help clients overcome their sexual and relational difficulties to feel confident in and outside the bedroom. Together, we will collaborate on how to help you reach your goals, through therapy sessions and home assignments.
(415) 985-4279 View (415) 985-4279
Photo of Yashu Jiang, Clinical Social Work/Therapist in 94609, CA
Yashu Jiang
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Oakland, CA 94609
I work with adolescents, adults, and couples seeking insight, self-knowledge, and healthier, more fulfilling relationships. Many of my clients are immigrants or children of immigrants from families where mental health and therapy are not routine topics of conversation. Coming to therapy can feel strange and intimidating. I am warm and approachable, and I provide a supportive space for clients to face the things in their lives that are distressing and give them the courage to make changes and confront the painful aspects of themselves and their pasts.
I work with adolescents, adults, and couples seeking insight, self-knowledge, and healthier, more fulfilling relationships. Many of my clients are immigrants or children of immigrants from families where mental health and therapy are not routine topics of conversation. Coming to therapy can feel strange and intimidating. I am warm and approachable, and I provide a supportive space for clients to face the things in their lives that are distressing and give them the courage to make changes and confront the painful aspects of themselves and their pasts.
(510) 391-5768 View (510) 391-5768
Depression Therapists

What is the goal of therapy for depression?

Therapy for depression has several major goals. One is to relieve the mental pain of depression, which distorts feeling and thinking so that sufferers cannot see beyond their current state of mind or envision feeling better. Another is to give people the mental tools to recognize and correct the kinds of distorted thinking that turn a problem into a catastrophe and lead to despair. Therapy also teaches people how to process negative emotions in constructive ways, so they have more control over their own emotional reactivity. And it helps people regain the ability to see themselves positively, the motivation to do things, and the capacity for pleasure.

What happens in therapy for depression?

Perhaps most important, no matter the type of therapy, patients form an alliance with the therapist; that connection is therapeutic in itself, plus it becomes an instrument of change. Patients learn to identify and to challenge their own erroneous beliefs and thoughts that amplify the effects of negative experiences. They learn to identify situations in which they are especially vulnerable. And they learn new patterns of thinking and behaving. They may be given “homework” assignments in which they practice their developing skills. In addition, good therapists regularly monitor patients to assess whether and how much the condition is improving.

What therapy types help with depression?

Several types of short-term therapy have been found effective, each targeting one or more areas of dysfunction. Cognitive behavioral therapy (CBT) helps clients challenge their negative thoughts and beliefs, learn new behavioral strategies, and curb reactivity to distressing situations. Behavioral activation (BA) is a form of therapy often used in conjunction with CBT; it focuses on engagement in rewarding activity as a pathway to changing negative feelings and disturbed mood. Another widely used approach is interpersonal therapy (IPT), which targets the social difficulties that both give rise to and get exacerbated by depression. Therapists may combine approaches as needed.

Can therapy for depression be done online?

Studies have found that online therapy can be highly effective for treating depression, although it may be more challenging to build a good therapist-patient alliance on screen than in person—at least at first. However, online therapy can offer considerable advantages. Accessibility and convenience are tops among them. Some people actually find it easier to talk about problems online than in person. While online therapy typically limits visibility of facial expression and body gestures that give important nonverbal cues to a patient’s state of mind, it can give therapists a glimpse into a patient’s world and life, providing information that can be highly useful in guiding therapy.

How effective is therapy for depression?

Many studies show that therapy is highly effective provided that patients complete the prescribed course of therapy, commonly 16 to 20 sessions. Over the long term, it is more effective than medication and the effects are more enduring. As a result, psychotherapy has the power not just to relieve current suffering but to prevent future episodes of the disorder. Therapy reverses the dysfunction in neural circuitry that disposes individuals to a negative view of themselves, the world, and their future and they acquire coping techniques, problem-solving skills, and understanding of their own vulnerabilities that are useful over the course of a lifetime.