 And so that's just a guideline. And of course, each and every one of you listening have a unique situation. And when we approach retirement plans, we do not do them cookie cutter style. So for you, you may want 100 percent. You may want 90 percent. 80 may be just fine. But that's the point that we start to use a percentage so that we can give you that what I call that magic number. How much is it going to take?