 Thanks for staying tuned to the Reliable Wealth Financial Hour. This is your host, Bob Falter. I'm on this morning with my co-host, Mr. Brandon Maul. Hi, Bob. Brandon's down in West Palm Beach. How long have you been down in the West Palm Beach area, Brandon? I got out of the military in 1999 and moved to South Florida in 2000, so almost 23 years now. 23 years. So you know that many retirees retire to Florida. That's right.