 My pleasure, Rick. How are you today? Good, good. So, you know, quite often we talk about inflation and the fact that every financial product has an attribute to solve problems and such. Right now, it seems like everything is a problem. It's certainly not like the go-go years have passed. So, yeah, I'd like to have a dialogue on some of the risks that you see in retirement, stock market, guaranteed accounts, things like that. Yeah.