 Sure. And here it is. Hey, that's what I've been dealing with for 32 years now, Steve, believe it or not. 32 years I've been immersed in this financial world we call retirement, helping people approach retirement, helping people retire early, helping people that thought they never could retire, retire on their terms. And a lot of times it's by eliminating all the games and gimmicks that are out there. And a lot of these games and gimmicks, unfortunately, do come from Wall Street, where they want to keep your money under their control, what they call their management system.