 What happens if all of a sudden your employer offers you an early retirement and you only have 30 days to decide if you want to accept it? Folks, I've seen this so many times. If you've already done that planning, you already know exactly what to do. If you haven't done any planning, then you know whether or not you can't take it. It's like, oh no, I know I can't take that. Or yes, I'm in a good position. I think I can take that. Let me call Angela at Sloan Financial and make sure that it's okay for me to take it. But we've already been doing the planning.