 So, Sam, Joel, and Janice, thanks for your questions here on the Mailbag segment. As we wind down today, guys, we have about three and a half minutes left, and we're going to go over some financial fears. We polled our listeners to find out what their biggest financial fears are, and we'll talk about how you guys help address them. So, number one, running out of money before we pass. Number two, blowing through an entire nest egg to pay for our nursing home care.