 Although we're fiduciaries on the radio show, we can't be because we don't know enough information about you, so we can't give you specific information. So this is more of a learning tool. It will give you a lot of good information, and some of it may apply to you, some of it may not. And we've had a question come in. Somebody was reading a book or an article called Paychecks and Playchecks, and it's a cool concept, and I want to break that down and see whether it could be right for you. Before we even get into that, I want to give you credit where it's due.