 This is where it starts to get complicated and confusing, right? What if you do have a pension? What if you're one of the 16% of Americans that have a pension? How do you take that with your social security and make sure that you don't get in trouble with that? What if you have other sources of income like real estate or you have some annuities that are coming in? How does that impact what you're doing with your social security? And then there's the rules of thumb, right, Tyson? What are the rules of thumb that people talk about on ages of when you should file?