 And obviously, you know, in this day and age, we've got to talk about inflation, how goods and services are becoming more more expensive. The stock market, you know, in the long term, I think, has historically done well for people and hopefully will. But in retirement, you are at the long term. And therefore, that volatility inherent with the stock market could be something of an enemy. And then, of course, the big one. This is the one that I'm intensely critical of.