 If you're really thinking about retirement this year or you're turning 65 and you're planning on, all right, I want to retire January 1st of 2025 or I want to retire in the next two or three years, you're so close to retirement that having a volatile market where we see wild swings in the market, just like we saw in 2023 where the first half of the year did well and then the stock market fell off 15%, 18% and then it came back.