 So you have all kinds of things that are affecting you emotionally. All of these life events, retirement being one of them, like I said, maybe you're not physically well, right? So are you sad? Are you depressed? Are you anxious? Are you worried? Are you angry about where you are when you get 50, 60, 70 years old? That doesn't mean you can't make a change because when your mind is right and you feel good about yourself, good about where you've come,