 And therefore, their psyche is aligned with being thrifty. It doesn't mean you have to be so cheap, you know, that you're another heady green, but you do need to live below your means. And people who are living at their means or above it, I think, are the ones who are at most at risk of outliving their money, which is why you are correct. You need to do the math, but you also need to have some deep knowledge.