 Yeah, so the first question is when you're 62, that's when you're first eligible to take reduced benefits. Right. The first question is what's your life expectancy? Because we'll have people from time to time come in and they have a health issue or something like that. And let's say their life expectancy is like 10 years or something. I would say you want to take Social Security as soon as possible so you get something out of it.