 This idea that people keep wanting to retire earlier and earlier when life expectancies are getting longer and longer doesn't make sense to us. Josh and I are in this sort of pivot point where we're like, wait, more people want to retire at 62, yet more people are living longer than ever before. This math does not work out very well. So, Tom, you've got to do something different here and think very differently. But the important thing for other people listening is the safe withdrawal rate