 Welcome, folks, to the Worry-Free Retirement. And, yes, I am that little man in the sweater vest, Tony Walker. And we've got our brand-new set here, our podcast format. I hope you're enjoying this. Whether you're watching on TV or listening to the radio, we're happy to have you with us. You might have noticed that little clip at the first with Warren Buffett and the late Charlie Munger. And we're going to be talking about a theory that he came up with called inversion theory. And it deals with investments. And that's what led us to our title.