 will be when the markets are high and you've set your plan up so that you know you're going to have enough income to maintain your lifestyle. So who cares? But when the markets are down, and listen, we've all seen the markets. We've had some monstrous pullbacks over the last couple of decades. We had the 49% pullback in 2001 and a 56% pullback in the markets in 2007, 8, and 9. It takes five or six years for the markets to come back.