 Time is not your ally. We were just talking about that. If something happens, the majority of your funds in the market, it can quite literally un-retire you because a sequence of returns risk. So you wouldn't be very intentional. And the great thing for us is we have, the companies we work with today are really allowing our clients to not only earn a great rate, but also protect from market loss. And this stuff was not around years ago. And that's what's so great about where we're at today. So that is a great question, Terry. And we can definitely help you with that.