 So retirees should be kind of concerned about it. And I think that this is the reason why. People are living longer these days, Luann. And when you look at AI, how exciting that is. Just the other day, I was sitting in my dentist's office having my teeth cleaned. And there's a big screen TV in that cleaning room that was never there before. And I was kind of wondering like, well, what's the TV for? Like, am I watching Netflix? And they finished doing the x-rays and the dentist is talking to me. He's a friend of mine.