Thank you. You may be on the hot seat, but you're providing us with some very good information.
I think you stunned us all when you referenced the fact that many women are not designated as the survivor to their husband's benefits. I was going to ask you about survivor benefits before you dropped that little bombshell.
Do you have any idea of the numbers and how widespread that is, or are you expressing it as anecdotal evidence? What recommendations would you make overall on survivor benefits?