 So I would encourage you to sit down with any of us here at Certified Financial Group with a lot of qualified certified financial planners in town. If you're going to go out and invest in the retirement planning world, be sure that you're dealing with a certified financial planner because certified financial planners are required to work with you as a fiduciary. And I know that's important to a lot of our listeners, and I would encourage you to do that. If you want information about what we do and how we do it, John, go to our website. That's financialgroup.com, financialgroup.com. And I hear the music going there, so Josh, take it away.