 The second thing, Ralph, is the growth bucket. A lot of times as we get older, we start to think, well, I'm going to pull back and live on my interest. And that's fine right now. A lot of people can live on 5% interest. But what about when interest rates were half a percent? You can't live on half a percent. So even as we get older, we need to always have some in that longer-term growth bucket.