 he might be behind the power curve. Yep. And that's why it's so dangerous to still be in that situation, because Dave said you might have gotten lucky so far, but you could end up in a situation where you lose everything. And if you're 13 years, 13 years into retirement, if you retire at 65, Dave, that has you going back to work in your late 70s. Who wants to do that? Nobody wants to have to be in that position or running out of money.