 I think this may be the first time we've ever used the term death spiral into retirement. I want to try to refocus here. Positive thoughts on the trek into bliss, which should be everybody's retirement out there. That's what I want to do today. Mike, get off negativity. I'll get off negativity, I promise. Let's go positive. Prashant, next misconception we need to be aware of. Believing that you can live off less in retirement than you did while you were actually getting that paycheck and working.