 Well, we don't need to pull hamstrings in our 401k and retirement plans. And unfortunately, that's happened. One of the things you can do is minimize your risk. Or if you're over 59 and a half, you can do what's called an in-service distribution where you can move some of your 401k tax-free into your very own individual IRA, which gives you a whole lot more choices. It also gives you the choice and the option to put a lifetime income stream plan in place. We've talked about that year after year, how important it is when you get to retirement to not only have streams of income, you need rivers of income. Now that we have inflation...