 So these are the triggers that are driving all of these falsehoods being pumped into the internet, into the radios, into the TV shows by obviously the Kevins, the Suzy Ormans, the Black Rocks of the world. They're saying, you're going to run out of money. You need all this stuff. But yet, 9 out of 10 of you don't have that. But do 9 out of 10 retirees look unhappy? Have you ever gone to a happy hour in any town you live in?