 101.7 FM, 1150 AM, WDEL. Hey, it's Rick Jensen, fellow client of Dan White, financial consultant specializing in retirement income. Having a conversation now with Professor John Raybould. John, you're a professor at the university. Tell us what you teach. I teach material science and engineering. So you do a lot of research. Yes, I do. And when it came to retirement planning, when did you start researching that? Most recently, you know, I started thinking more seriously about it maybe five or six years ago.