 So as I so often have said, if your portfolio is not creating at least 5% to 6% a year in dividends and you're going into income stage or you're in income stage, then you probably should be looking for another advisor. If you want to get to that point where you want to know if that's the thing to do, I would invite you to call us and ask for a kit called the Income Kit. It's got about three different booklets about income and market risk in it. TR equals I plus G, total return equals I plus G.