 Well, exactly. And I think also just balance between everything, even like we're talking about all these different safety things. It doesn't mean all of our money should go in CDs or all of our money should go in dividend stocks or all of our money should go into annuities. It's like, what are all the different tools and how can we use a combination of them? And making sure that we fill up each bucket appropriate based on what your needs are. And again, I want to make sure that we're getting at least