 and understanding it's more than just hypothetical numbers. A plan is only as good as the assumptions and the variables that it's based on. So you really need to examine six critical variables, and we're going to cover those, that affect your retirement drawdown strategies, your retirement income-producing strategies. So one of the first things we look at is retirement withdrawal strategies. Well, one of the biggest things we have to be concerned about is our marital status. Is there another person involved in this?