 90% of our wealth when we're in retirement to be subject to the vagaries of the market because we all know what the markets can do. They can lose half of their wealth in market accounts very, very quickly. And it does happen. Yes, it doesn't happen very often, but typically once a decade or so, we get those pullbacks. And if that happens to you in retirement, that's not where you want to be. That's not a good plan.