 incorporating guaranteed income sources we talk income a lot on this show prashant you think it's right there at the top absolutely i mean i say it all the time the higher the income the better the outcome when you get to retirement and so i just want to circle this back and connect it to what we talked about with diversification right so to take that idea one step further we said that investment success is oftentimes driven by time but time is the one thing that we don't have as much of