 going into retirement, making sure that you don't run out of money. You can really only achieve that safely by having a plan in place that deals with a lot of the things we've talked about today. Again, number one being don't lose money. If you're invested in a way where losing money is a likelihood where you could lose 30% of your portfolio overnight, well, you've got a strategy currently that's got you on the fast track to running out of money at some point in time.