 Whether you're investing in the market or someplace else for the moment, we're not talking about that. What we are talking about is how long is that money going to last? You don't know how long your money is going to last. You don't know how much you can spend because your retirement income may not be predictable. But you don't know how much you can spend because if you spend too much, then it gets risky. And if you don't spend enough, then you're like, well, what's the money for anyway? Right?