 okay patty if you really are concerned you need to sleep at night so if you're really concerned you're probably going to go to the more conservative things when you make that transition to an income first growth second approach you're probably going to look at bonds because bonds are contractual right and then we'll go a little longer term because remember a bond pays a contractual interest payment and really needs to default ie go bankrupt before they stop paying it so as long as you pick good companies that's a more conservative role