 to be there for you. So no cash under the mattress. It's not going to grow with inflation. You've got to have at least grow with inflation. Yes. And so your strategy then is when the market is up, take all your income that you need out of the market that you have. And when the market's down, leave your market assets alone and take money out of your volatility buffer. So that volatility buffer, you need at least six or seven years worth of income