 But if you want to gamble on the difference between the I need and the I want, I guess that's okay. But for a lot of people, their I want goals are important to them. They say, I'm retiring because I want to do these things, which means maybe they need to transition a little bit more to that income-first, growth-second approach. But remember, I tell you, it's income-first, growth-second. So you're not giving up growth. It's just that you're looking at the income side first.