 Hi, I'm Luanne Fulmer. I'm here with one of the nation's top-ranked financial advisors, Michael Anderson. We are so happy to have you along with us today. Now, in this part of the show, we are going to get to your retirement questions and get some insights from Michael on these concerns, okay? So, first of all, Michael, I'm going to ask you some retirement questions, much like mailbag, but these are just questions. And then, though, I'm going to do a lightning round of think fast questions, all directed at you.