 That kind of risk is something that you can handle when you're still investing. But when you start taking income from that portfolio, I mean, this couple is going to start taking income out of these accounts. And now as they take distributions, if the market's down, they're going to be violating the number one rule of investments because they're going to be selling at a loss. That's going to put them back to work. They're never hitting their $2 million goal. If they stay invested the way they are, the market takes a hit and they still need the income. If the market doesn't,