 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 is still growing on the safe side. It's protected that growth. It can't lose it. And then in the future, you get lifetime income from that. And once you know what your income is going to be in the future, it makes it a whole lot easier to take risk with the leftover money.