 After everything's paid, people are still managing to put a little bit of money away towards retirement or into a brokerage account or something. So once we know that number, Ralph, we have a real good idea of how to replace that number. So let's just use some easy math. Let's say that you're not retired yet and you and your wife are spending at the end of the day $6,000 a month. And we do the analysis for Social Security and we find out that between the two of you, we're going to be able to bring in $4,000.