 Most people that get to 55 or 60, it's really not about growing any amount of money with a lot of risk. It's really about protecting it. It's about saving it. It's about utilizing it in a guaranteed way that you get a paycheck from it every month or whatever the goals are. I just feel as you look at allocations over the course of your life, you can be very risky if you're 20 or 30 years old because you're working 30 more years in life.