 Some of your money, you're probably going to want to keep it in the market as long as it's not money you have earmarked for income or legacy. So, again, we recommend balance. And this is a great white paper finding your balance for your retirement. And we're making it available. Both of these white papers will come together. So if at any time you've got questions, you'd like to know more or just take advantage of those white papers, just give us a call.