Thank you for that.
I think that's really important because, like you both mentioned, the optional survivor benefit, the OSB, is what you can pay 30% to 50% of your income into your pension income.
I know you have both chosen not to do that because it would mean an economic inability to do anything today. What a horrible place to be in. I can't imagine how painful it is to make these kinds of decisions.
I guess my next question is this: When were you told that if you took that option—or were you told that option—to take 30% to 50% of your pension and put it away for them, that if your loved one, your partner, passed before you did, you would never receive a penny back?
I will start with you again, Pat.