 every single day to watch Kramer tell us if our retirement is still on track. So we practice the core and explore philosophy where some of the money you have needs to be in a place you can never lose it. It needs to be gaining money, and it needs to lock those gains in so you can't lose them. And then when you decide, you need to get a lifetime income for you and your spouse that you can never outlive, even if your balance goes to zero. It's hard to understand that because if you have a bank account that goes to zero, what do you do? Well, you don't have an account with a bank anymore.