 And throwing it into an IRA and pulling out 4% is not a plan, because if that market's down 20% or up 5%, whatever it is, you're kind of throwing a dart at the wall on what you can live on for that year. So getting a plan together is what they're saying is so vital at this point in these retirees' lives. So let me kind of summarize this before we take a break, folks. So the three things Trey mentioned, the demographic shift, maybe that's you. If you're already retired or nearing retirement,