 The human element of things can invite catastrophe. So I actually read that part, even though I haven't finished the book. I did read that one. And when I was reading that, I was like, you've got to be freaking kidding me. He died because he slipped and he chose to open his helmet there. That was baffling to me. And so many things like this happen, Donna, when we're talking about financial planning, that things come out of nowhere that you're not expecting. And I think the most common one for folks when we're doing retirement planning is health.