 Oh, it should be affecting your decision-making is where you are in your life and what your goals are. And that should be 80% of every decision easily. So if you have a lump sum goal that you will have a certain amount of money that's allocated toward, let's say college education for children or grandchildren. And I know it's not lump sum, that's four lump sums or at least hopefully four with some kids it's five lump sums. It could be six even. It could be six, that's right. But hopefully it's four lump sums. I consider that a lump sum goal.