 Reach out to Dave Jonathan and the team, and you can ask questions just like this. The phone number is 800-700-8229. We'll continue in the mailbag with Janice. She's in Spokane, and she has a very simple question, Dave. When should I start taking Social Security? There's a lot there that we don't know. We don't know how old she is. We don't know if she's still working, all of those things. But this is one of the big-time questions that you have to answer when you're heading into retirement.