 figure things out and make things work. And they see that they've lost money in the market as they were drawing income from it. Now they've accelerated the erosion of that nest egg that they worked so hard for. And they see that if this keeps happening, they're going to have some serious financial problems and people do get caught in that respect. Recently, last fall, I had a couple that called us from the radio. They wanted to retire this spring, which they did. They retired in March.