 A lot of people, I bet, and a lot of people are saying $2 million because that's what the articles and the media has told them they would need. And it has nothing to do with their own personal situation. But every one of our listeners out there, Michael, has a magic number that will probably work for them, but you need a detailed plan and you need to sit down and look at your assets, look at what you're going to have coming in,