 This journey to play some of the world's most beautiful golf courses reminds me of the journey savers must take to the destination we call a worry-free retirement, and all that will go into this financial journey and the need for someone else with more experience to navigate the course so that savers can quit worrying about things and just sit back and enjoy the ride. So let's give credit to where credit's due for this wonderful golf trip. I was so fortunate to begin and end, and let's take it through our