 And so there's a lot of brain in that head that's being used that way. Very smart. All right, what are we going to talk about? Well, we're going to talk about the five years before retirement. We like to call it the financial red zone, and that's a very vulnerable spot to be. But the thing is, is you've been doing this long enough, Coach, to where you've got some ideas on how to really capitalize on those last five years to make sure our retirement is what we want.