 But you did a financial plan with somebody and they said, well, listen, you should be spending, if you wanted to, you don't have to, but you could actually spend $120,000 a year and still not run out of money. I'm like, huh, okay, that's interesting. Or you could spend maybe even more than that. So the analysis really helps there, Cheryl. And I think when people are taking distributions, the problem with the distribution, whether it's summertime or whether they're just moving out of markets and putting it in cash, when you start pulling money out of the market,