 This year, she would have gotten a 17.55% pay raise. Now, I have no idea as to whether that will ever happen again, but there's a strategy in there where you could put all the money into a fixed account, and she could guarantee herself that she would get about a 3% pay raise every year. That's better than most of them out there, and that would help out. But I don't want a little 3% pay raise. I want some of those double-digit pay raises over time. I know what over 20 years will happen. I know that if you're retired for 20 years, you'll probably see two market events