 Hi, everybody. Welcome. It's Mark Christopher now with the producer hat here. And of course, we have your news headlines here, top and bottom of the hour. But now it's all about planning your retirement. Don't tune out now. Basically, everybody's like, well, I'm young. I don't need to plan retirement. Basically, when you get your first job, you're ready to learn to plan ahead. You thought it was fast going all through school and being on your own. Well, you see how fast it comes one day that.