 I tilt the scales towards electing sooner rather than later. And if you look at that calculation, most sound-minded individuals are going to go, yeah, I know I'm going to get less, but I'm not going to start getting less until I'm 84. And if I live past 84, which chances are I will with the modern marvels of medicine, I will live in a more abundant life, a life that I'm more proud of,