 scoop up some at a good bargain, some stocks when they're down, but you don't have to. And you don't have to worry about losing all your money in retirement because you've got your safe money still building. We call it a growth protection income, GPI. Your money's still growing on the safe side. It's protected that growth that can't lose it. And then in the future, you get lifetime income from that. And once you know what your income's going to be in the future, it makes it a whole lot easier to take risk with the leftover money.