 So if you've saved a million dollars for retirement, if you save $500,000 for retirement, however much of that money we need to use to guarantee those income streams in retirement, that's what we do. Then everything else that you're not using, let's say we take half of that money and use it for income. The other half of your money, well, that money can be as aggressive as you want it to be. It can be out there in the stock market. It can go up with the stock market. It can go down with the stock market. Because if the stock market drops on that money and you lose 20%,