text:  I'll round that up. That's almost a 4% cost of living adjustment every year since the 49-year average. Over the last 10 years, it's been much lower. Why? Well, interest rates, inflation were kind of subdued the last 10 years until recently. So the cost of living adjustment here the last 10 years is 2.5%, 2.58%. So that is how the cost of living works, and it will continue to work in that fashion. Mm-hmm.