 And many of you are already in the thick of things as it relates to retirement. All of these topics we cover relate to pretty much all of you. So I think it's never too early to start planning, is it, James? I think that's something we really can't stress enough as we get together each and every week. Some people will say, well, when should I start? I bet you never really tell anybody to not start until this date or this certain year, that type of thing, do you?