 This is what you should be doing right now. We call it refinancing your retirement account. Refinancing your retirement account means taking another look at your retirement account because it has grown so well. Now, if you're looking at this and you're saying, Dale, mine really hasn't grown that much. Well, that's all the more reason to take a look at things. Why has it not grown? Are you in such a safe position that you are not making any money?