 Dave, for the people that are maybe new listeners to the show, I do understand where you are. It's very uncomfortable to try to take the next step because you don't know what you're stepping into. I just really want you to know that if you're willing to take the next step, which is basically picking up a phone, what you're going to get out of this is you're going to get a very detailed, personalized report that is going to educate you more about what you already are here to learn about, which is retirement planning.