 Both of those strategies I've just mentioned, the 47% and the 32% bonus, these are IPAs, income-producing strategies, income for life, and the income is associated with the bonus and so is the legacy. So a really, really powerful strategy. So number six, you have to account for inflation. Not just the things that we bought 20 or 30 years ago. Obviously, they cost more now, but think about all the things that are not in your budget 20 years ago.