 And if we don't know them, see, we could sit there and focus on investment returns, but if we're lowering their need from, oh, you need the average 9.5% per year in growth, and we find out instead through the planning that you could make this if you just got 6.5% every year, do you see how much less stress you could have when the markets are volatile? I actually think it's critical to think that way because the problem is if you get into a slow growth environment,