 You're back. It's the Jill on Money Show. And we are here answering financial questions. And I'll tell you something that Mark and I learned recently. And that is there are certain universal questions that so many of you have. And I think we learned this lesson when we conducted a live webinar with a social security expert named Heather Schreiber. I can't talk enough about how wonderful this webinar was. And I know it's sort of tantalizing. You wish you could hear it.