 When we look at the income plan and we see, okay, we projected out these dollars that you've saved up, they should last you the rest of your life. Well, that doesn't take into account if you were to suffer multiple years of market losses and you're having to withdraw from that at the same time, that could take a real toll on the income plan. And this is ultimately why you want to make sure that you're aware of what kind of an investor or an advisor you're working with whenever you're