 with what their spending goals are today, adjust that for inflation and taxes. And we use very conservative assumptions on what their money is earning. And in reality, their money is likely going to earn more. But if we can run very conservative projections and show that somebody can take a vacation, for instance, that they may want to spend five grand a year on or 10 grand, we can model that out and see if that's all going to work out and whether they run out of money or not. And