 And it says that the dark side of early retirement, right? So we're at the point now where they're talking about the dangers of retirement. We talked in the first segment about why people retire. Now we're going to talk about what the dangers are. Again, this is his opinion. I'm just going through it with you because I want you to see where it's news. It's not really news. It's an opinion type of thing. But this guy's opinions are not facts.