 He said, David, thanks for giving us the bottom line. Love what you're doing. Here's the short of it. I have a pension plan at work. I'm 65 and married. My wife is 63 and will probably work for a few more years. My employer sent me the forms with all of the options. It's a lot to try to understand, and it's pretty overwhelming. This is a big decision. Can you just keep it simple? Which box would you check if this was your decision? All right.