text:  let alone keep up with their standard of living. There used to be this general rule of thumb, again, that, well, let me use this quote first. Robert Shapiro, former US Undersecretary of Commerce and lead author of a study that just recently came out. This is from the AARP. He said this, baby boomers lack the protected income that many older boomers have from solid pensions or higher savings. So this goes back to what you just talked about. Full stop right there, right? I mean,