 All right, everybody, welcome back. It is Stop Working, Start Living right here at KSL Newsradio. Derek Overstreet and his team have offices in Sandy, St. George, and he's been helping people as their financial advisors and a fiduciary work their way through retirement. If you're in retirement right now, if you're on the cusp of retiring in the next little while, you need to give Derek Overstreet and his team a call just to kind of look, especially right now with the month that we've had here today,