 on today's program. Mr. Tim Lofton, we're here in the middle of the year. Glad to have the kids around for summer. Are they all busy too right now? Well, they're super busy, but you know what? As exciting as summer is and as much as we like to have fun, now is still a great time to get to some of that to-do list stuff. I'm not talking about the yard work. I'm talking about actually getting serious about your retirement.