pat's question about how to get off the fence is hard to answer for any individual, because it's plainly an individual choice with all these inputs and outputs. We're pretty poor at predicting how retirement will treat us, and maybe how we'll treat retirement. But i saw it happen in my own house, and i think for anybody who wants to not only live longer, but really be alive longer, like it is, used or lose it. So if you're going to retire, use it in a different way. Ange. If you and i can keep doing this every week, i am never retiring. I'm going out of here in a box. 100 %.