I hear you. That's good. I don't think there are too many people who wouldn't agree we'd love to have retirement much lower, but I'm suggesting that those people in the field are telling us we can't sustain this. I wanted to make that clarification.
Mr. Stanford, I appreciate seeing you here again today. You were talking about...and I think those were great suggestions, but when we're looking to get businesses to start to spend that money they supposedly have in reserve—you thought possibly we should be encouraging them to do that—do you have some suggestions for the committee that we could bring forward?