 I know that's the answer I'm supposed to say, but you're right. I mean, start now. Anybody that's over 50 probably should be thinking about that. And I know people say, well, I've got a house payment. I've got kids in college. I've got this. I've got that. Well, it's a starting point, but it is important. And one thing we'll do is we'll look at your retirement accounts and make sure you don't lose all your money if you're taking too much risk.