 Rick Jensen here with fellow Dan White & Associates retirement planning client Terry Sklart. How did you first come to be associated with Dan White? A social security seminar my wife and I attended. We were impressed enough to set up a private meeting with Dan. And he discovered you almost made a big mistake. Yes, we were starting to plan on withdrawing from social security. And Dan pointed out that we're earning more interest in the social security than if we took it out from another account.