Christine Benz: Hi, and welcome back to the second session of our Morningstar Individual Investor Conference. I'm Christine Benz with Morningstar. This session is called "Securing Your Retirement," and it's going to be a conversation with noted financial planner Harold Evensky. We're really excited to have him here today.
Before we get into the session, and my introduction of Harold, I would first like to ask the audience to feel free to submit questions. Send an email to firstname.lastname@example.org. And we will be taking some audience questions toward the end of the session.