 And then final question, I guess this is number eight. How do you figure how much money I need to retire on? Now, you're thinking to yourself, great, when he answers these questions, I'm not going to know any more than I knew before. Hey, do this. I've got something that I'm sure will help you out, and it's the income kit. The income kit has got more than one thing in it. One, it's got TR equals I plus G, total return equals I plus G.