 about now? Well, a lot of people I work with, Ralph, in fact, most of the people who work with have done a good job of saving. And that's important because there's a lot of people that are getting to retirement who have not done a good job of saving. And so there are different skills. Ralph, we often talk about going up the mountain and coming down the mountain. And going up the mountain requires the skill set of being able to live within your means, to be able to put money away and let that money grow over time.