 And during this bear market, you're taking money out of the account to maintain your standard of living, to have fun, to give to the grandkids, to buy presents, to go on a trip. You look at each other and you say, you know, we never did take that Alaskan cruise. Should we take it while we still can? And you have to pull $10,000, $15,000 out of your IRA to do it.