arthel: i went to the web site where they have this lifetime calculator, lifetime income calculator set up. you punch in a few numbers and you get some predictions. i know you went there. first i want to ask what you think of the calculator. do you think it s accurate and are there enough places to plug in variables? it s good. the subject is necessary and everybody should go there because it starts the dialogue that you need to have about when can i retire? how much money do i need to retire with? it s not a great calculator, but any information that you get that helps you get better clarity and perspective on what you need years from now is a good move. so i encourage everybody to go to it. arthel: we have the web site there on the bottom of the screen. dol.gov/ebsa. i went to it. before we move on about that, let s talk about the common variables that a lot of us make mistakes when we re predicting and budgeting for retirement. i didn t think about that. right. and what i en