 And when you talk about analysis paralysis, I think what's interesting to me is I don't see that, it's almost like it's impossible for you to screw this up. I'm serious when I say that. You both have income, you both have pensions. My guess is that when we run these numbers, when you run these numbers and you create a plan, you will find just that. You can do exactly what you want. I am not sure why anybody would have 17 to 21 funds in any of these accounts.