 But anyway, so when you reach that full retirement age, that's when you're entitled to your unreduced Social Security benefit, your full benefit. So when you decide to claim that benefit at age 62, which is your first eligibility to claim it, it's a 30% reduction or close to it for someone like me who's older. So we really do have to give some thought to whether or not it makes sense to take it early or to wait till our full age or some other point all the way up to age 70.