 So we're in that red zone. If you're within five years of retirement, and many of you listening might be within two days of retirement, you might go to work on Monday, and they might tell you you don't have a job anymore. Yikes. Happened this past week to one of our clients. Wow. He said, unexpected. He sent an email. Totally unexpected, but my company, after 24 years, 24 plus years, has told me they don't need me anymore. Wow. Out of the blue.