 If that's your only income source, I mean, you want to protect it and get every nickel out of it. And you want to understand, how is this going to affect my Medicare premiums? And I was talking about risk, right? Yes. Risk is not only in the stock market, but risk is also, what about your health care needs? What about your long-term care? What about your medical costs going through retirement? What about your state plan? All of these things come together.