 Alrighty, welcome back everyone. Matthew All One here, talking about a safe and secure retirement. And first off, I want to ask you a question. Do you want to be rich? Or do you absolutely, positively want to guarantee that you will never be poor? Okay, that's number one. But let's take a look at something a little bit more practical. I mean, everybody wants to be rich and nobody wants to be poor, right? But getting what you want...