 I think it's so important when you think about finances and future and retirement, Derek, to take control of the things that you can control. People come to see me and say, I'm so worried about Social Security, I'm going to take it at 62. Well, if you do that, you're leaving 8% a year on the table all the way to age 70. Is it good, bad, or ugly? I think that's ugly. I mean, I just don't think that's a way to fix it. Where else can you go and get a guaranteed 8% roll-up?