 So it's interesting that I created this graphic here. This helps explain the difference between safety and risk. You see, with the worry-free retirement process, we're okay with both, but most of our clients who are savers would rather have more safety of principle than taking a lot of risk. So let's go over to the whiteboard. I'm going to break this down and tie this into our philosophy of keeping your money safe and also how our income software reflects that. Let's take a look at that right now.