 Or if you want to buy a home or a vacation home, that's a lump sum goal. So they're an RV, lump sum goal. But for that, you've got to really adjust your risk tolerance based upon how close you are to that goal. It's generally considered in the financial world between stocks and bonds that the lower volatility point is about two-thirds bonds, one-third stocks. So the idea is when you're further away, you could be mostly stocks. As you get closer to the goal, you start integrating more bonds and have fewer stocks, but you never flip