 In the future, it may not be what it's been in the past. And back to one of your tips you gave on not having an advisor and going it alone. People are shocked sometimes where I'll kind of use the example if we're going to play dead. The couple's like, what do you mean? Well, we're going to imagine one of you are deceased, and let's just see what happens to this income. Inevitably, most people aren't aware that when one spouse dies, one of those social securities, the lowest of the two, goes away.