 Dave's in a giving mood. Unbelievable. I'm just being so kind today. Oh, my gosh. Everybody do whatever you want. But is there an element, though, that you run numbers? I mean, because you didn't here in this scenario. But to say, okay, by the time you're 62, you're going to be in retirement age. You want to be able to have X amount coming in, like that 4% to 5%. You know what I mean? Do you get granular with it, though? You could. This is a little flippant. You could, but the ratios will take care of that for you.