 You protect your assets that way. You also increase your income. You have a possibility of increasing your income, but never decreasing. So I'm not a gambler when it comes to my retirement money, and you should not be either, folks. This isn't a gambling time. If you have some extra money, go to Vegas. Get your gambling out of the way. But this is to make sure you don't run out of money and you always have that confidence. And your family has confidence knowing you've done the right thing. There's no worse time to break the news to the family that you took the retirement that you were going to have and put it at risk. Wow.