 A lot to unpack there, Jay. It's a lot, Dave. I'm listening to it and I'm trying to kind of understand it, but I don't think anyone's going to truly understand it to the level we all would feel comfortable with. But the way I look at it is I feel positive, meaning you have to have a positive outlook that Social Security will be fixed for the longevity of why it was designed. And Dave, the reason Social Security was created years back was supplemental income for people in retirement.