 There comes a time when you're about 60 or 65 years old and you bend over to put your socks on and your back goes out. You know it's about time. And it happens to all of us. And it will happen to Ben as well. He'll change his tune in about 20 years. All right. That is about all the time we have here, Greg. We've got about a minute or so to just kind of go over the roadmap for retirement, hit the bullet points, and let's get some people to call in and get some help with their retirement.