 Should I do an interview process? We're going to talk about that. But I wanted to kind of get off on a little bit of what you said about why people are not doing it. It's finances. It's personal. They may be embarrassed, Jim. I mean, maybe they feel like they haven't saved enough. Therefore, they don't. I mean, should they be seeing an advisor? Folks, this is crunch time. And you really need to start asking these questions. But you need to work with a professional and get those answers.