 I'm kind of glad that you're realizing this right now. And anyone listening, hope that you're keeping this on the forefront of your mind that there are things you can do. One, we could call the company and we could see about electing a different option. And now, again, there's a whole bunch of other options. There's 50% survivor benefits or 75, 25. Usually there's a whole lot of different options to choose. And what we want to do is put those options into our planning software called the Retirement Money Map.