 What I hear all the time is marketing agencies for Wall Street have you all thinking that you're going to run out of money, you're going to have to welcome people to Walmart. If you don't buy this annuity, you'll be eating cat food. If you don't buy this product, you won't have peace of mind. And what I see happen to most conservative Americans, my people, these people are pecking at their money like chickens. They're working longer than they have to. They're cruising to be the wealthiest people in the cemetery.