 You remove almost all the risk and transfer the risk to an insurance company, kind of like Social Security is an insurance company, kind of in that vein. You can transfer it to some insurance company, and they'll take the risk for you because the insurance company will guarantee an income stream. Well, there's not the right way. There's the right way for you, and part of the analysis we do is that. How are we going to create those income streams for you and your spouse or significant other?