 type thing but let's just call it eight percent for the sake of mathematical argument so if i have a blank canvas and i retire at age 62 and the other thing i'm not worried about income testing games even if i am worried about income testing games so if you if retire under the age of 65 you don't qualify for medicare so typically the first question that comes up how am i gonna how am i gonna get my health insurance needs met and with a lot of our clients