 And to quickly recap in case you've never heard of this, the growth side of the mountain is climbing up towards retirement date where you're accumulating wealth, you're saving money, you're investing in the S&P 500 and hoping that the market goes up. And then on the decumulation or the income side of the mountain, you have now crossed into retirement and you are taking the money that you have made and that you've built over these years and you've got to live on it.