 You know, you have a financial advisor, you've just had your 50th birthday, and the advisor says, by the way, you need to think about retirement income. You need to start changing that mindset. And then over the next decade, you guys keep having that conversation. Okay, we've focused on grow, grow, grow. Now we've got to focus on pay, pay, pay. And that's different. So what are we going to do about it?