 Well, if that happens or if it doesn't happen, Alan, what are some of the strategies we ought to consider while the interest rates are still as high as they are? Well, Ralph, the first thing is to consider building a risk-free buffer of cash. You can do this using high-yield CDs and money market accounts with the rates now, and you can draw from those if the markets start working against you in the early years of your retirement. CDs and high-yield savings accounts now offer rates of more than 5%.