 Secondly, an asset allocation plan that allows you to sleep at night to know that your liquidity needs are met and to know that your income needs are met and that there is money in that growth bucket for the long term. We also look at the insurance, Ralph, because if there's anything that can blow a plan all to pieces, it's an unexpected cost that you're not playing for specifically like long term care or maybe a spouse getting sick and dying soon. A lot of times in a married relationship, one spouse has a larger income than the other.