 There are people running around saying, oh, you could take out 8%. Well, that's really not true. It's just absolutely not true. Now, if it's sitting in the bank, that's also not true because it's not growing enough. If you've got a million dollars in the bank and you need $50,000 a year to fill your income gap or to be your income, then assuming no increases in inflation for your income, you're just going to get a static $50,000 a year. In 20 years, you're completely out of money.