 It's the years that the market crashes that you need somewhere else that you can take money out of to meet your lifestyle. And so that's what the volatility buffer is. So again, go to our website, riskfeestaxes.com, and we'll schedule a free video call with you to talk to you about what's the best thing for you. Thanks for listening to Optimize Your Retirement. If you like what you're hearing, you can listen anytime. Subscribe to the show wherever you get your podcasts.