. >> john doiggette, if you're a boomer and you're talking about stem, stem, stem, and someone just losthey don't feel like they're in a position to be retraining for stem after 30 years on the job. how do they reboot? do they need to reboot? >> boomers need to reboot because they're afraid of retirement now because many cases, their biggest in egg would be the equity in their house and we know what happened to house equity levels. they dropped in half. the problem is that if generation x is having a problem retraining the boomer generation is having the bigger problem retraining. some of us are fortunate like ourselves and we work with young people all of the time and we're very careful with technology, but i've seen some of my peers who have never worked with new people find it very challenging. this is the most frightening time for boomers ever because many of us thought that we'd be able to retire with dignity and comfort and we're finding that that's just not happening. >> ruben, you've written about millennials and your millennials are comfortable about technology and they're entit