 is when the market's up, not when the market's down. Now, how can you do that? Give us a call, 848-2-INCOME, 848-246-2663. If you're just tuning in, I'm your host, David McAdams. You're listening to the Retirement Income Program. And we've had a great show today. We've been covering lots of topics. Some of you are saying, I don't understand all this. It's a little bit above my pay grade. All I know is,