 safely make withdrawals. I can tell you I've seen income plans with annuities and I've seen income plans without annuities. If you've ever seen a Monte Carlo simulation, then you probably know the difference between what we call the strut and sort of not feeling too great about the future of your retirement income. If you've seen a Monte Carlo simulation that says you have an 85% chance of making it to age 90 without running out of money. I don't like that.