 Many people that are listening think you can walk into the Social Security office and they're going to help you decide which claiming option to take. Steve, they're going to help you click on a button. That's what's going to help because they're not allowed to tell you and to consult with you about what may be good for you. And you're right. Once you make that decision, you're pretty much locked in stone. Now, if you make the wrong decision and you want to go back and change it within the first year, you can pay back all the money you've already got and then you can change the decision. So that's why it's important to not pay first.