 But with the government, everyone still has the pension plan. But you have to decide how you're going to withdraw those assets. Should you take a lump sum payout or should you annuitize your pension? Each option has benefits and disadvantages. Pension withdrawal strategies, let's face it, they can be quite complex. I looked at one recently for somebody. It was with Goodyear. And oh my goodness, the number of options were just borderline ridiculous. You would have not realized they had that many options. But here's the key.