 So you think you're going to be taking out less because the balances are going to be less, right? But that's not how it works. They grow over time, typically, and the percentage that they require you to take out increases, meaning that you have to take out more. And so we've had people in their late 80s, 90s that are taking well over 10% of their assets and paying so much in tax, especially when the market goes down, they take out a lot and the market goes down, pay the tax. So you got to take out more to pay the tax.