 Well, I don't want to say it was easier to retire, say, I'm just making this up, 40, 50 years ago. But the majority of people, and Harold, you're exactly right. Talk about your dad for a second. My grandpa was the same way. They had pensions. And whenever you're looking at retirement planning, the bulk or the base of their retirement income was their pension, pension and Social Security. You could live off that back then. It was a defined benefit.