 So when we look at having a drawdown strategy, it depends upon your age, number one. So you want to make sure there's certain bogeys that you hit, 59 1⁄2 and things like that. But as your money grows in the market, you want to make sure that you're having that growth in accounts that are most tax efficient. And what I mean by that is if you use the rule of 72 and say your money doubles every 7 to 10 years depending upon your rate of return,