 You know, great quotes. I was just at an art museum recently, and great quotes are like works of art. People interpret them in different ways, see different things in them. In this next quote, of course, I see it from the retirement perspective of the importance of starting as early as possible. We can't go back in time, but we can certainly tell our kids and grandkids about it. Here it is. Someone's sitting in the shade today because someone planted a tree a long time ago. Mm-hmm.