 But the market has been doing poorly, and if you pull the money out now, then your chances of recovery go down. And these are horrible decisions that you have to make. Wouldn't it be better if you had guaranteed retirement income and you knew you could predict whether or not you had the money for it? Or you could say, you know what, why don't we do it next year, we'll save a little bit more this year, we'll save a little bit more next year, and then we'll be able to do it.