 either retire or close to retirement within 10 years. And that's where that lucky factor comes in. Because again, I thought we were about to hit a drop in 1998 and we went on for another 15 months. But if you didn't heed that warning, then you're underwater for 13 years. And of course, the fact that we were underwater for 13 years once in the market, the century tells us it can what? It can happen again and probably will happen again. At some point, at some point. But even if you get a pullback and it's five or six years and here poor James wants to retire in two or three,