 When we talk about taking risk off the table, just think about this. For the vast majority of people, the rule of thumb I think works pretty good, the rule of 100. Take your age, and that should be the percentage of your wealth you want to take out of the risk of the markets and put it someplace safe where you can get reasonable rates of return and hopefully create some income to augment your Social Security. So that's what we're trying to accomplish. If you've been burned, regardless of how or why,