 Yeah, we're always going to want to have monies in the market. The question is always how much. And when it comes to that, we need to make sure that whatever monies we have in the market, when it comes to you being in retirement, that it's long-term money because we know long-term we're going to be okay. And if we don't have to pull out of the market every month while it's going up and down, we're going to be a lot better off.