 getting a handle on those expenses, and then creating an income plan for how we're going to replace whatever percentage of your paycheck you need to replace. Generally, it's not all 100% of that paycheck. 800-813-6360, the phone number. And John, there are people that, again, are single or became single at some point in time in their life. And the factors for single folks is different, especially when it comes to taxes. And that is absolutely something that you have to prepare for in your retirement.