text:  Well, yeah, because sometimes people – I've got some folks that they're financially independent. They don't have to work, but they love working, so they keep working. When you work with folks, are they southern people when you call them folks? No, I've just got that southern thing from when I lived in Texas, so I can't get rid of that. What I think is interesting is that when you think about people, when you think about their situation, there's this mentality of retirement that is scary.