 So think about this, whether you had a million or $100,000 in the markets, if you had the right plan, the right plan is I want income to last me the rest of my life and you need to peg it to inflation. And let's call that, for lack of a better word, a bucket, a safe income bucket. The second bucket that you need is one for growth. That's what people don't do is that we're greedy when we should be fearful and we are fearful when we should be greedy.