 I'm Morgan Patrick, consumer advocate. We talk the talk, but we also walk the walk. We give you an opportunity to get on their calendar, complimentary, leave the checkbook at home, see where you are in your planning process. And we're going to talk about something right now that tells us there are a lot of you that are just sitting on portfolios and you don't yet have a plan. So the first survey we talked about today, guys, was the Vanguard study. It found that the average, if you take...