 Where do you start? Because we could go on for two hours this morning talking about this. But you need to do a plan, Al. You need to try to figure it out. And the first place that you're going to start, it's very, very simple. You have to do the math. And the math is not extraordinarily difficult stuff. The first thing you do is you have to figure out what the heck are your expenses going to be on a monthly basis when you retire.