 So my friends, you see, as we look at all this stuff here, it comes down to the fact that retirement is a process. It's going to take a little longer for some, but it's definitely better to have started and to have gotten there than to have not started at all. And when you get there and as you get there, you realize that it's not the destination, it's the journey, and the journey will continue for the rest of your life. I'll probably make more money every year for the rest of my life.