 That's right. And people aren't crazy for thinking that, hey, I want some growth in the portfolio, right? You might want an inflation hedge. You might want to have extra money down the road in case you need full-time home health care or leave a bigger legacy. But for most people, those are things that are way down the road. You have to get to retirement first before you get 15 or 20 years in retirement and contend with these more futuristic and future-oriented issues.