 you're going to need some growth in there, all right? And this is why that diversification, the allocation of your assets is really critical. It's why sometimes we talk about how important safe investments such as like an index annuity, for instance, how important a role they can play for individuals. They could play a very important role, A, just for protecting their assets. There's no risk to the money you put in an index annuity. It'll never go down based on the performance of the stock market. It will only ever grow.