 So if you had $100,000 in your IRA and the market got, oh, things got bad, inflation got high, things are not looking so good, we had a bad year, we had a good year, we had a bad year, we had a bad year, we had a good year, you know, and it's just kind of going, it's in this range, it's stuck, it's not going anywhere. But you don't have to worry because you haven't lost any money. The market did not pluck 10%, 20%, 30% out of your account. Therefore, you can pluck 10% to 15% out of your account and go on that Alaskan cruise.