 only really needed to produce a little bit more than $40,000 a year. And we sat down, just like Mike said, and said, all right, if you wanted to rely on the stock market, you need to have $1.2 million in the stock market producing dividends. If you want to go the fixed income route where we're using CDs and bonds and dividend-paying stocks, you're going to need just over $1 million in the stock market. So $1.2 to $1 million of your money is at risk in the ups and downs of the stock market.