 They're afraid of breaking that rule. So when they retire, markets are up. That's good. We're going to go do a trip to Europe. No, markets are down. We can't go right now. I'm afraid to go spend it. We don't know how long we're going to live. We need to have this money. So they end up doing nothing. Wow. And to me, that's one of the biggest mistakes people make in retirement.