 Number one, when we take that hour, we're really sitting here basically having an educational hour of talking about infinite banking. It doesn't matter if you're in your 70s. And today, the 70s are the new 40s, right? I mean, it's just the way it is. So we're going to go to a break. We're going to come back. You can check him out on his website. It's factumfinancial.com. You can also call him. He does free consultations. It's 928-241-0668. Hang tight. We'll be back in just a minute.