The big problem with the four o, one k type solutions is that they don't guarantee you a secure retirement for life. The idea of pooling that risk of longevity, it gets solved by solutions like annuities. Another change i'd love to see is just get rid of the alphabet soup of retirement account. It's just a crazy hodge podge system. Taxes and investment retirement flamming o. They're both way too complicatedi agree. All right, we're running short on time, but you've got the ear of 30 to forty thousand listeners to this podcast,. mostly docks, but as we learned in our recent survey, certainly not all docks. What have we