 We are back on Retirement Answers today. Your host is Jim Martin. He is the founder of Martin Wealth Solutions. Again, located two offices for you, Roanoke and Christiansburg, for your convenience. He is a registered financial consultant, accredited asset management specialist, over 15 years in the planning business, helping hundreds of his clients get ready for their retirement. That's what we do. We talk the talk and walk the walk. I'm Morgan Patrick, consumer advocate. We go back and forth on the topics, and we started off the show...