 So let's talk a little bit about why income is so important here at this stage in life. You're 60 years old. You're thinking about retiring. You're two years, three years out from it. You know you should start converting over to it because the market has a thing called standard deviation. I'm going to read you the definition of standard deviation according to Wikipedia and the Internet, which is the source of all things truthful, isn't it? Common sense or amazing guesswork.